At the Scene
- Stop and check for injuries. Colorado law requires you to stop at the scene of any accident (C.R.S. § 42-4-1601). Leaving the scene is a criminal offense.
- Call 911 if anyone is injured or there is significant property damage. A police report is important for your claim.
- Exchange information with the other driver(s): name, address, phone, insurance company, policy number, driver's license number, and license plate.
- Document the scene: Take photos of vehicle damage, the road, traffic signs, weather conditions, skid marks, and any injuries.
- Get witness information — names and phone numbers of anyone who saw the accident.
- Do NOT admit fault or apologize. Colorado's comparative fault system means any admission can be used against you.
Within 24-72 Hours
- Seek medical attention even if you feel fine. Some injuries (whiplash, concussions, internal bleeding) have delayed symptoms.
- Report to your insurance company. Colorado is an at-fault state, but notifying your own insurer is required under most policies.
- Do NOT give a recorded statement to the other driver's insurance company without legal advice.
Building Your Claim
- Follow all medical treatment recommendations. Gaps in treatment hurt your case.
- Keep a journal of your pain, limitations, and how the injury affects your daily life.
- Save all receipts: medical bills, prescriptions, mileage to appointments, lost wages documentation.