If you were injured in a car accident in Colorado, you generally have three years to file a lawsuit. This deadline, known as the statute of limitations, is critically important because missing it can mean losing your right to seek compensation entirely.
While three years may sound like plenty of time, the legal process can be complex, and there are exceptions that may shorten the amount of time you have.
Understanding how long you have to act is essential for protecting your rights after a collision. We’ll explain Colorado’s specific deadlines for car accident lawsuits, highlight special circumstances that can affect those timelines, and show how a Colorado car accident lawyer can help.
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The General Deadline for Car Accident Lawsuits in Colorado
In Colorado, the statute of limitations for filing a lawsuit after a motor vehicle accident is three years from the date of the crash. This deadline is longer than the two-year statute of limitations that applies to most other personal injury cases in the state.
Lawmakers recognize that car accident injuries often take time to fully develop and that insurance negotiations can be drawn out, so they provide additional time for victims of motor vehicle collisions.
This three-year deadline applies broadly to anyone injured in a motor vehicle accident, whether you were a driver, passenger, bicyclist, motorcyclist, or pedestrian. It also covers claims for both bodily injury and property damage related to the accident.
It’s worth noting that while three years may seem like a long period, the time can pass quickly when you are dealing with medical treatment, missed work, and back-and-forth discussions with insurance adjusters.
If you wait too long, you risk running out of time to pursue a lawsuit, which is often the only way to secure full and fair compensation if the insurance company refuses to settle.
Exceptions and Special Circumstances
While the general rule in Colorado gives you three years to file a lawsuit after a car accident, there are important exceptions. Depending on the circumstances, you may have less time or, in limited cases, a longer period to take legal action.
Understanding these nuances is essential to protecting your rights.
Here are some of the most common exceptions:
- Wrongful death claims: If a loved one passes away due to injuries from a car accident, the statute of limitations is two years from the date of death, not the date of the crash. This distinction is critical if the person initially survived the accident but later died from related injuries.
- Claims against government entities: If your accident involved a city bus, county vehicle, or other government-owned car, you face much stricter deadlines. Colorado law requires you to file a formal notice of claim within 182 days (about six months) of the accident.
- Minors and legally incapacitated individuals: For children injured in accidents, the statute of limitations may be “tolled” (paused) until they turn 18.
Because the rules can be strict and exceptions complicated, it’s always best to consult with an attorney as soon as possible after your accident. They can calculate the exact deadline that applies to your unique situation and make sure no filing windows are missed.
Why It’s Important to Act Quickly
Even though Colorado gives you up to three years to file a car accident lawsuit, waiting until the deadline approaches is risky. The sooner you take action, the stronger your case will likely be.
Time is a valuable resource in personal injury claims and lawsuits because evidence can disappear, and witnesses’ memories can fade.
Here are some of the key reasons to act quickly:
- Preservation of evidence: Accident scenes change, vehicles get repaired, and skid marks fade. Crucial video evidence, like surveillance footage or dashcam video, may be erased within weeks or months.
- Witness reliability: Eyewitnesses are more accurate when questioned soon after the accident. Over time, details may be forgotten or distorted, weakening testimony.
- Medical documentation: Prompt medical treatment not only protects your health but also creates a clear record connecting your injuries to the accident. Waiting too long may give insurers an excuse to argue your injuries weren’t caused by the crash.
- Insurance company tactics: Insurers may drag out negotiations, hoping the statute of limitations will run out. Having an attorney involved early shows the insurer you’re serious and prevents them from exploiting delays.
- Peace of mind: Acting quickly reduces stress, giving you more time to focus on recovery instead of worrying about deadlines.
In short, while you technically have up to three years, your case will almost always be stronger if you begin the process as soon as possible.
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How a Colorado Car Accident Attorney Can Help
Navigating Colorado’s statute of limitations on your own can feel overwhelming, especially when you’re also trying to recover from injuries and deal with day-to-day life.
A personal injury attorney can help with:
- Deadline management: They will calculate the exact statute of limitations that applies to your case, including any special circumstances, and track all legal and procedural deadlines to ensure your lawsuit is filed on time.
- Case investigation: Their investigation will include collecting and preserving key evidence, from police reports to witness statements. They may also work with medical professionals and accident reconstruction experts to strengthen your claim.
- Insurance company negotiations: They will handle all communications with the insurer so that you don’t have to, pushing back against lowball settlement offers and delay tactics.
- Legal strategy: They can advise whether to settle or pursue litigation. They will present your case in the strongest possible light if it goes to trial.
By having an attorney guide the process, you can focus on recovery while knowing that your case is moving forward properly and that critical deadlines are being met.
Contact a Car Accident Lawyer With Matlin Injury Law Today
Early action helps preserve evidence, strengthens your case, and keeps insurance companies from gaining the upper hand. If you’re ready to take the next step in your case, reach out to our Colorado car accident lawyers today.
Matlin Injury Law puts our clients’ needs first. If you’re wondering how a personal injury lawyer can help and what to expect, check out our quick FAQs page.
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