Denver Car Accident Attorneys
Have you been injured in a car accident? The experienced car accident lawyers at Bachus & Schanker will fight for the maximum compensation as possible.
- How Much is the Average Car Accident Claim Worth?
- Do I Need a Car Accident Attorney?
- Can I File a Claim Without a Police Report?
- Steps to Filing an Insurance Claim
- Colorado Car Accident Laws
- What is Colorado’s Proportional Fault Model?
- What to do After a Car Accident?
- What Are Colorado’s Car Insurance Requirements?
- Common Car Accident Injuries
- Causes of Car Accidents
- Car Accident Statistics
How Much is the Average Car Accident Claim Worth?
According to the Rocky Mountain Insurance Information Association, the average car accident settlement claim for bodily injury is $15,400 and around $3,000 for property damage claims. Generally, average car accident settlement amounts are between 1.5 and two times the amount of your economic damages. In cases with severe, life-altering injuries, you may receive up to 5 times the amount of financial losses. Additionally, factors such as clarity of fault, and admissibility of evidence can affect how much your case is worth.
However, it’s important to remember that no two car accident claims are the same. The amount you can expect will depend on the specific facts of your case. Your settlement will be based on the actual losses of your case. Your settlement could potentially be much higher or lower than the average settlement. Working with a skilled lawyer is the best way to get a better understanding of what your case may be worth.
For legal purposes, a bodily injury claim is generally sub-divided into two categories:
- Economic Damages: past and future medical expenses, wage loss, and additional expenses related to physical impairment and disfigurement
- Non-Economic Damages: pain, suffering, loss of enjoyment of life, inconvenience, physical impairment, and other similar losses
Victims of Colorado car accidents can claim a host of damages after the crash when working with a Denver car accident attorney. These damages can include any of the following:
- Medical expenses (ambulance fees, medical tests, prescriptions, medical equipment, hospital bills, doctor visits, etc.)
- Lost wages (current and future lost wages)
- Pain and suffering (mental distress)
- Loss of companionship (loss of a loved one)
The dollar value of these categories of damages can add up quickly. In Colorado, the person who caused the accident (the at-fault driver) and/or their insurance company is financially responsible for all of your accident-related injuries, damages, and losses. Thankfully, Colorado law requires every owner of an automobile in the State of Colorado to buy a minimum amount of car insurance to pay for these categories of damages.
Do I Need a Car Accident Attorney?
Our attorneys understand a car accident can change your life. Medical bills and other resulting expenses can be a huge burden on you and those you care about. Similarly, if someone you love is killed or injured in a car accident, the emotional and financial distress can be overwhelming. Let our accident attorneys help you get the money and support you deserve. At Bachus & Schanker, LLC, our lawyers stand ready to consider the potential cases of car accident victims and their families. We help victims recover their losses, whether it is to compensate for lost wages, medical bills, pain and suffering or other harm and losses. We serve all of Colorado, so whether you live in Denver or Fort Collins, we can help.
Car accident cases are our specialty. When our lawyers take on an auto accident case, they strive to understand the unique challenges presented in each case to better assist our clients with questions they may have and ensure their legal rights are protected. The experienced Denver car accident attorneys from Bachus & Schanker LLC will treat you like family and fight for the compensation you deserve.
Can I File a Claim Without a Police Report?
Yes, you can file an insurance claim without a police report. A police report is not required to file an insurance claim after a car accident in Colorado. Insurance policyholders retain the right to recover compensation after an accident. Accident victims simply contact their insurance company and inform them that an accident has happened. You can still look to either your own insurance policy or the other party’s to seek compensation for any losses incurred.
However, there are some reasons you may want a police report after a crash. Police reports offer a neutral, third-party account of the facts related to the crash, and opinions about who is at fault. Without a police report, the insurance company may question your account of the events leading to the crash. You may be required to provide additional evidence or information to justify your request for compensation. Without the benefit of a police report, it can be challenging to prove fault.
Steps to Filing an Insurance Claim
- Contact the police
- Take pictures of damage to car
- Contact your insurance company
- Ask if you have rental car coverage
- Schedule a call with the insurance adjuster
- Schedule an inspection of the vehicle’s damage
- Get repair estimate from repair shop of your choice
- Adjuster review
- Receive initial insurance offer
Colorado Car Accident Laws
What is Colorado’s Proportional Fault Model?
What to Do After an Accident?
The moments immediately following a Denver car accident can make or break your claim for compensation. Never leave the scene of a crash, even if you weren’t at fault or because you want to transport yourself to the hospital. It’s always best to remain at the scene and wait for police, fire, and medical personnel to respond.If at all possible, move your vehicle out of the travel lanes to a safe place. If not, safely exit the vehicle and stand off the roadway. Use your mobile phone or tablet to take pictures of your vehicle, the other cars involved, the road conditions, debris, traffic signals and signs, and anything else you think a car accident attorney can use as evidence when building a case.
Be sure to complete the following after a crash:
- Exchange information with all other drivers
- Give a statement to the police
- Ask witnesses to talk to the police
- Do not move any evidence
- Let medical personnel evaluate you on the scene
- Accept medical transport to the hospital
- Refrain from speaking to any insurance agents until you talk to an attorney
What Are Colorado’s Car Insurance Requirements?
There are two types of mandatory car insurance in Colorado:
- Property Damage Liability Coverage: this coverage pays for the damage to the automobile involved in the accident and is paid out on behalf of the at-fault driver.
- Bodily Injury Liability Coverage: this coverage pays on behalf of the at-fault driver for bodily injuries sustained in a motor vehicle collision.
The state requires the following coverage minimums:
- $25,000 for injury or death to another driver in an accident
- $50,000 for injury or death for all persons in any accident
- $15,000 for damage caused to property in an accident
There are supplemental insurance policies offered by insurers in Colorado, and they include the following:
- MedPay: At least $5,000 coverage for medical bills for you and any passengers in your vehicle during an accident
Underinsured or uninsured motorist coverage: Protects you when involved in an accident with a driver who is either underinsured or uninsured
- Collision: This coverage pays for damage to the vehicle no matter who was responsible
- Comprehensive: Coverage for flood, fire, theft and falling objects
Three exclusions could prevent you from receiving compensation after a car accident, and they include:
- Damage caused to your own vehicle by another one of your own vehicles
- Driving for a ride-share service or private taxi service
- If you caused damage deliberately to your vehicle or property with your vehicle
The do’s and don’ts of insurance following an accident include the following:
- Do take photos
- Do review your policy
- Obtain a copy of the police report
- Don’t admit any fault
- Don’t give a statement that is recorded
- Don’t accept the first offer from insurance
Common Car Accident Injuries
Car accidents, no matter the severity, can leave you with injuries that prevent you from working, from feeding yourself, from getting dressed and from being able to walk. The most common injuries our Denver car accident attorneys see include:
- Traumatic brain injury (TBI)
- Broken bones
- Sprains, strains, and muscle tears
- Soft tissue injuries
- Whiplash and other neck injuries
- Spinal cord and other back injuries
- Injuries to knees and legs
- Chest injuries
- Internal injuries, such as internal bleeding and damage to organs
Causes of Car Accidents
The Colorado State Patrol records the causes of car accidents it investigates across the state, including Denver. The CSP has released information regarding the leading causes of car accidents between the years of 2011 and 2014. The data shows that the following causes lead the way when it comes to car crashes in Colorado:
- Inattentive driving
- Exceeding the legal speed limit
- Lane violations
- Failure to yield the right of way
- Distracted driving
- Texting while driving
- Talking on cell phone
- Following too close to another vehicle
Car Accident Statistics
2017 was a bad year for traffic fatalities in Colorado, according to data released by the National Safety Council. A total of 648 people were killed in traffic accidents across the state in 2017, which marks the highest total since 667 were killed in 2004.2018 saw a drop in traffic deaths in the state to 630, but numbers have steadily been over 600 since 2016 after dipping as low as 447 people killed in 2011. Since 2000, the worst year for Colorado motorists was 2002 when 743 people died on the state’s roads, according to date from the Colorado Department of Transportation.
Consider that, in 2018 there were 25,421 police-reported motor vehicle accidents according to the City and County of Denver. Of those 691 were DUIs, 6,764 hit-and-runs, 306 serious bodily injury, and 242 police involved accidents.
Serving All Areas of Denver Colorado
- Castle Rock
- Commerce City
- Greenwood Village
- Lone Tree
- Wheat Ridge
Additional Car Accident Resources & FAQs
- Determining Fault in a Rear-End Collision
- What Are the Most Common Car Accident Injuries?
- Determining Car Accident Fault by Location of Damage
- What to Do If You’re in a Car Accident in a Company Car?
- Vehicular homicide – Understanding the I-70 Semi Accident
- What Happens If You Leave the Scene of a Car Accident?
- Car Accidents Involving Leased Cars
- Colorado Ride-Share Guide: Uber & Lyft Laws
- Auto Accident FAQs
- Colorado Car Seat Laws
- Colorado Car Accident Statute Of Limitations
- Is Colorado A No-Fault State?
- Should You Report A Minor Car Accident?
- How To Determine Fault In A Denver Car Accident
- What To Do If Your Car Is Totaled After An Accident
- Top 5 Worst Intersections For Car Accidents In Denver
- Can I File An Insurance Claim Without A Police Report?
- What Is The Average Settlement For A Car Accident With Whiplash?
- How Do You Calculate The Diminished Value Of A Vehicle?
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"You made a process that could have been a terrible experience due to the situation, so much easier. I am so thankful for everything you did for me. Well beyond 5 stars! Again thank you for everything that you've done for me and my family, I am more than happy to close this chapter of my life." - Julian D.