
Underinsured Motorist Coverage in Colorado | Conduit Law
UIM is first-party coverage when the at-fault driver is insured but short. How Colorado's statute defines the gap, forbids setoff, and treats stacking.
Expert insights on Colorado personal injury law, insurance claims, and protecting your rights after an accident.
Materially refreshed guidance, with the original publication date preserved.

UIM is first-party coverage when the at-fault driver is insured but short. How Colorado's statute defines the gap, forbids setoff, and treats stacking.

Colorado modified comparative negligence: recover only if your fault is less than the other party's. 50% bar math, a worked example, and C.R.S. § 13-21-111.

Maximum medical improvement means your recovery has plateaued, not that you are healed. Why injury demands usually wait for MMI.
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221 articles available
A phase-by-phase timeline of a Colorado injury file from the day you sign to the day your demand goes out, with the real ranges — including why medical records take two to eight months.
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How to choose a personal injury law firm near you: the questions to ask, how to verify a firm, how contingency fees really work, and Colorado's deadlines.
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Colorado’s 182-day notice of claim against a government entity can bar a strong injury case. What C.R.S. § 24-10-109 requires, who it goes to, and what late notice costs.
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A Denver commercial vehicle accident is a company-vehicle injury claim — a work van or tree-trim truck, not a trucking case. What that distinction changes.
Read moreA hospital lien and a health plan's reimbursement claim both come out of your settlement, but Colorado governs them under different statutes with very different protections. Here is what each can actually take.
Read moreSecond degree, eighteen percent. Here is what burn depth and TBSA actually mean, why the classification is worth checking, and how each affects a Colorado claim.
Read moreBurn settlements in Colorado vary more than almost any injury type. Here is what actually moves the number: depth and TBSA, location, treatment, and available coverage.
Read moreSpinal cord injury value turns on completeness and level, lifetime care, lost earning capacity, and available coverage. Here is how each one moves the number.
Read moreComplete or incomplete, and the level, decide most of what follows after a spinal cord injury. Here is what the ASIA scale means and why reclassification matters.
Read moreShowing 9 of 221 articles