Car accidents happen fast—and they can leave you confused, injured, and unsure of what to do next. Whether it’s a fender-bender in Denver, a major crash on I-25, or a hit-and-run in Colorado Springs, what you do in the minutes, hours, and days after a collision can make or break your case.
At Stoops Law Firm, we’ve helped countless Coloradans recover after serious accidents. Here’s a step-by-step checklist of exactly what to do if you’re in a car accident in Colorado—legally, medically, and financially.
Step 1: Prioritize Safety and Call 911
- Check for injuries—call 911 immediately if anyone is hurt.
- Move to a safe place if possible, but don’t leave the scene.
- Turn on hazard lights to prevent further accidents.
📌 Colorado law requires you to remain at the scene and render aid if someone is injured (CRS § 42-4-1601).
Step 2: File a Police Report
Even if the accident seems minor, always call the police. A report:
- Documents the crash officially
- Helps establish fault
- Strengthens your insurance claim
🚔 You can also file an accident report online through the Colorado DMV if police don’t respond.
Step 3: Exchange Information (But Watch What You Say)
Get the other driver’s:
- Name, address, phone number
- Insurance company and policy number
- License plate and driver’s license info
⚠️ Don’t admit fault, apologize, or say “I’m fine.” Your symptoms may show up later, and innocent words can be twisted by insurance adjusters.
Step 4: Take Photos and Gather Evidence
Use your phone to document:
- Vehicle damage
- License plates
- Road conditions
- Traffic signs
- Your injuries (if visible)
📝 Also get witness names and contact info—they may be key if your case goes to trial.
Step 5: Get Medical Attention ASAP
Even if you feel okay, see a doctor right away. Adrenaline can mask symptoms, and some injuries (like whiplash or concussions) show up days later.
💡 Medical records are crucial proof if you file a personal injury claim.
Step 6: Notify Your Insurance Company
Most insurers require prompt notification. But:
- Stick to the facts
- Don’t give a recorded statement
- Don’t accept a quick settlement offer
🚫 Let your attorney handle negotiations if the other driver’s insurer contacts you.
Step 7: Talk to a Colorado Car Accident Lawyer
You don’t have to navigate insurance companies, medical bills, and legal paperwork on your own.
At Stoops Law Firm, we help injured people across Colorado:
- Understand their rights
- Deal with insurance adjusters
- Maximize their settlements
- Get medical bills paid
- File lawsuits if necessary
Common Questions After a Colorado Car Crash
Do I have to report the accident to the DMV?
Yes—if there’s injury, death, or over $1,000 in damage.
What if the other driver doesn’t have insurance?
Your uninsured/underinsured motorist (UM/UIM) coverage may apply. We’ll review your policy.
How long do I have to file a claim?
In Colorado, the statute of limitations for most car accident injury claims is three years (CRS § 13-80-101).
Final Thoughts
A car accident can turn your life upside down—but the right steps can protect your health, finances, and future. If you’ve been injured in a crash anywhere in Colorado, we’re here to help.
📞 Call Stoops Law Firm today for a free consultation.
We’re a small firm that treats clients like family—and fights like giants in the courtroom.