Name: Harding & Associates, PC.
Address: 730 17th St #650, Denver, CO, 80202
Telephone: (303) 762-9500
Price range: Not Specified

Legal Rights for Cyclists in Colorado: Protecting Yourself on the Road

March 15, 2025 By Nuclear Networking

Cycling is a popular mode of transportation and recreation in Colorado, offering a healthy and eco-friendly alternative to driving. However, with increased bicycle usage, accidents involving cyclists are a growing concern. Understanding your legal rights and responsibilities is essential for promoting safety and securing justice if you are injured. This guide outlines Colorado’s cycling laws, explains your rights, and provides actionable steps to protect yourself legally.

Colorado Cycling Laws: Rights and Responsibilities

Cyclists in Colorado are protected by specific laws that define their rights and responsibilities on the road. These laws are designed to ensure safety for cyclists and other road users.

Legal Protections for Cyclists

Cyclists are considered vehicles under Colorado law, granting them the same rights and responsibilities as motor vehicle operators.
Motorists are required to give cyclists at least three feet of clearance when passing. This “safe passing law” is critical for reducing collisions.
Cyclists have the right to use any public roadway unless explicitly prohibited, such as certain highways. Bike lanes, while provided for convenience, are not mandatory for cyclists to use.

Responsibilities of Cyclists

Cyclists must obey all traffic laws, including stopping at red lights and stop signs, yielding where appropriate, and following lane markings.
When riding at night, bicycles must be equipped with a front white light and a rear red reflector or light visible from at least 500 feet.
Cyclists are expected to stay as far to the right as practicable but may take the full lane when avoiding hazards, preparing for a left turn, or riding at the speed of traffic.

Steps to Protect Yourself Legally After an Accident

Accidents can leave cyclists with severe injuries and mounting medical expenses. Knowing how to respond can help safeguard your rights and support a potential legal claim.

At the Scene of the Accident

Ensure Safety: Move to a safe location if possible and call 911 to report the accident. Request medical assistance if injuries are apparent.
Document the Scene: Take photos of the accident, including your bike, the other vehicle(s), road conditions, and any visible injuries.
Gather Information: Obtain contact and insurance information from the driver(s) involved, as well as contact details from any witnesses.
File a Police Report: Insist on an official report, even if the motorist downplays the severity of the accident. This report will be vital for insurance and legal purposes.

Seek Medical Attention

Even if you feel fine, some injuries may not become apparent until hours or days later. A medical evaluation provides the necessary documentation to support your claim and ensures you receive appropriate care.

Consult a Denver Injury Lawyer

An experienced personal injury attorney can help navigate the complexities of Colorado’s laws and ensure your rights are protected. Legal representation can:

Establish Fault: Your attorney will investigate the accident to determine liability, including whether the motorist violated Colorado’s safe passing law or other traffic regulations.
Negotiate with Insurance Companies: Insurers often aim to minimize payouts. An attorney will advocate for a fair settlement that covers medical bills, property damage, and pain and suffering.
Do Not Talk to the Other Side’s Insurance: If you are injured it is illegal for the other side’s insurance to contact you within 15 days of the accident. Call your insurance and have them talk to the other side’s insurance.
Do not send any medical records or billings to the other side’s insurance: A legal professional should review all of your medical records and billings to maximize your recovery
Your own Car Insurance may have coverage for you: I know you weren’t in your car, but if you have uninsured/underinsured or medical coverage on your car insurance, most times this extends to you at any time you are injured by a car.
Pursue Legal Action if Necessary: If a fair settlement cannot be reached, your attorney can file a lawsuit and represent your interests in court.

Compensation for Injured Cyclists

If you are injured in a cycling accident caused by another party’s negligence, you may be entitled to compensation.

Types of Damages

Economic Damages: Medical expenses, lost wages, and property damage to your bicycle.
Non-Economic Damages: Compensation for pain, suffering, emotional distress, and loss of enjoyment of life.
Punitive Damages: In cases of egregious negligence or reckless behavior, punitive damages may be awarded to penalize the at-fault party.

Key Considerations

Colorado follows a modified comparative negligence rule, meaning your compensation may be reduced if you are partially at fault for the accident. However, you can still recover damages if your fault is less than 50%. Ensure all evidence, including medical records, repair estimates, and witness statements, is properly documented to support your claim.

Why Legal Representation Matters

Cycling accidents often involve complex legal and insurance issues. Having a skilled Denver injury lawyer on your side can make a significant difference in the outcome of your case. At Harding & Associates, P.C., we are dedicated to protecting the rights of injured cyclists. Our team will work tirelessly to secure the compensation you deserve and hold negligent parties accountable. If you or a loved one has been injured in a cycling accident, contact Harding & Associates, P.C. at (303) 762-9500 or visit our website at to schedule a free consultation. Let us empower you to navigate the legal process and achieve justice.

Steps for Handling Medical Bills After an Accident: A Guide for Injured Commuters

February 28, 2025 By Nuclear Networking

Being involved in an accident can bring unexpected challenges, particularly when it comes to managing medical expenses. From initial emergency care to ongoing treatments, the financial burden can quickly become overwhelming. For commuters in Denver, understanding how to handle medical bills after an accident and knowing your legal rights is crucial. This guide provides clear, empathetic, and professional advice on navigating medical expenses with legal support to ensure you are not unfairly burdened.

Immediate Steps After an Accident

Seek medical attention promptly. Your health and well-being are the top priorities after an accident. Even if you feel fine, some injuries, such as concussions or internal trauma, may not manifest symptoms immediately. Prompt medical attention ensures your injuries are diagnosed and treated while also creating medical records essential for insurance or legal claims. Notify your insurance provider to report the accident. Colorado operates as an at-fault state, meaning the driver responsible for the accident is liable for damages. However, your insurance may initially cover some medical expenses until the fault is established. Retain all medical documentation, including:

Records of emergency room visits and treatments.
Diagnostic test results such as X-rays or MRIs.
Prescriptions, therapy appointments, and follow-up care.

These documents provide critical evidence for claims and ensure accurate calculations of expenses.

Navigating Medical Bills Post-Accident

Medical bills can quickly accumulate after an accident. Understanding your payment options can alleviate stress and prevent financial difficulties.

Use Insurance Coverage

Health Insurance: Covers immediate medical care but may include co-pays and deductibles. It is important to use your Health Insurance, Medicaid, or Medicare to pay for these medical billings.
Medical Payments (Med Pay) Coverage: Optional in Colorado auto insurance policies, this coverage pays for medical bills regardless of fault. Use this medical coverage to help reimburse you for out-of-pocket expenses and deductibles.

Explore Financial Assistance Options

Many healthcare providers offer payment plans to spread costs over time.
Nonprofit organizations or state programs may provide help for specific medical needs.

Legal Support for Managing Medical Bills

Legal assistance is invaluable when handling accident-related medical bills, especially in disputes over liability. A personal injury attorney in Denver can provide critical support in several ways:

Determining Liability: Attorneys investigate the accident to establish fault, which is key for compensation.
Negotiating with Insurers: They handle communications with insurance companies to ensure fair coverage.
Letters of Protection: Attorneys can provide these to healthcare providers, deferring payments until the case is resolved.

Compensation Options for Medical Expenses

Victims of accidents may pursue compensation to cover medical bills and related losses.

Sources of Compensation

Liability Insurance: The at-fault driver’s insurance typically covers damages.
Personal Injury Claims: These claims can recover costs not covered by insurance, including future medical expenses and lost wages.
Uninsured/Underinsured Motorist Coverage: Protects against drivers with insufficient insurance.

Types of Recoverable Damages

Economic Damages: Cover tangible costs like medical expenses and rehabilitation.
Non-Economic Damages: Compensate for pain, suffering, and reduced quality of life.
Permanent Impairment, Scarring/Disfigurement
Punitive Damages: Awarded in cases of extreme negligence to penalize the at-fault party.

Avoiding Common Pitfalls

Managing medical bills after an accident can feel overwhelming, but avoiding common mistakes will strengthen your case and protect your rights.

Do Not Talk to the Other Side’s Insurance – If you are injured it is illegal for the other side’s insurance to contact you within 15 days of the accident. Call your insurance and have them talk to the other side’s insurance.
Do Not Send your Medical BIlls or Records to the other side – you need a professional in the legal industry to review what you should provide to the other side and what you should not. There are many laws that can help you increase how much you net from the settlement.
Delaying Medical Treatment: Gaps in care may lead insurers to dispute the seriousness of your injuries.
Settling Too Quickly: Early settlement offers often undervalue long-term medical needs.
Navigating Alone: Without legal guidance, you may overlook crucial compensation opportunities.

How Harding & Associates, P.C. Can Help

At Harding & Associates, P.C., we understand the stress and uncertainty that come with managing medical bills after an accident. Our experienced Denver personal injury attorneys provide compassionate and professional support to help you navigate the claims process. Our team can:

Advocate for fair compensation from insurance companies.
Coordinate with healthcare providers to delay payments until your case is resolved.
Handle all legal aspects so you can focus on recovery.

If you or a loved one needs help managing medical bills after an accident, contact Harding & Associates, P.C. at (303) 762-9500 or visit the website to schedule a free consultation. Let us support you in securing the compensation you need for a healthier future.

Understanding Fault in Colorado Car Accidents: What Every Driver Should Know

February 21, 2025 By Nuclear Networking

Navigating the aftermath of a car accident can be overwhelming, especially when determining who is at fault. In Colorado, understanding the nuances of fault laws can significantly impact your ability to file a claim or recover compensation. The state follows a specific set of guidelines known as comparative fault laws. Whether you live in Denver or elsewhere in Colorado, knowing how these rules work is essential for protecting your rights.

Colorado’s Comparative Fault Law

Colorado uses a modified comparative fault system, which dictates how fault is assigned and compensation is distributed in car accidents. Under this system, the fault is apportioned among all involved parties based on their degree of responsibility for the accident. Here’s how it works:

If you are found to be 50% or more at fault, you are barred from recovering any compensation for your damages.
If your fault is less than 50%, you can still recover damages, but the amount you receive will be reduced by your percentage of fault.

For example, if you were 30% at fault for an accident and sustained $10,000 in damages, your compensation would be reduced by 30%, leaving you with $7,000. This proportional reduction ensures that each party is held accountable for their role in the incident.

Determining Fault in a Car Accident

In Colorado, the fault is determined through a thorough investigation of the accident. Police reports, witness statements, traffic camera footage, and expert evaluations play a role in establishing liability. Some factors often considered include:

Traffic violations: Running red lights, speeding, or failing to yield are common indicators of fault.
Witness accounts: Observers of the accident can provide objective insights into what happened.
Physical evidence: Skid marks, vehicle damage, and the accident scene itself can reveal the sequence of events.
Weather and road conditions: Adverse conditions may shift some responsibility depending on how drivers respond to them.

It’s important to understand that insurance adjusters often make the initial determination of fault. However, their decisions are not final and can be disputed, especially with the help of a skilled attorney.

The Role of Insurance in Comparative Fault

Colorado requires drivers to carry minimum liability insurance coverage, which includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. This coverage comes into play when determining fault and paying out claims.

When the fault is shared, insurance companies negotiate based on the comparative fault percentages. For instance:
If two drivers share a 50/50 fault, each insurance company may cover half of the damages.
When one driver is deemed 80% at fault, their insurer will typically bear the majority of the financial burden.

To protect your interests, it’s crucial to report the accident to your insurer promptly. Delays in reporting or miscommunication can complicate the claims process. Additionally, uninsured or underinsured drivers can further complicate matters, emphasizing the importance of optional coverage like uninsured motorist insurance.

How Comparative Fault Impacts Compensation

Colorado’s fault system directly affects the amount of compensation you can claim. Whether you’re dealing with medical expenses, lost wages, or property damage, the percentage of fault assigned to you will play a pivotal role.

Key scenarios where comparative fault applies:

Multi-car accidents: Fault is often divided among several parties, with compensation adjusted accordingly.
Pedestrian or cyclist involvement: Pedestrians and cyclists must follow traffic rules, and their fault (if any) is calculated just like a driver’s.
Rear-end collisions: While the driver in the rear is often presumed to be at fault, factors like sudden braking by the leading driver can distribute fault differently.

It’s vital to work with a legal professional to ensure your compensation isn’t unfairly reduced due to inaccurate fault assessments.

When to Contact an Auto Accident Attorney in Denver

Legal representation can make a significant difference in car accident cases, especially when dealing with comparative fault complexities. A skilled Denver auto accident attorney can:

Challenge disputed fault assignments with evidence.
Negotiate with insurance companies to ensure a fair settlement.
Represent you in court if a settlement cannot be reached.

If you’ve been injured in an accident and believe fault is being unfairly assigned to you, consulting an attorney can help protect your rights and financial future.

Tips for Drivers in Colorado

To protect yourself and navigate Colorado’s comparative fault laws effectively:

Document the accident: Take photos of the scene, damages, and any visible injuries. Get witness names and numbers. Be sure to take pictures of all cars around, including their license plates in case they need to be tracked down later to be a witness.
Exchange information: Obtain contact and insurance details from all parties involved.
Seek medical attention: Even if injuries seem minor, a medical evaluation can prevent complications later.
File a police report: This creates an official record of the incident, which can be crucial in determining fault.

Staying informed about Colorado’s traffic laws and maintaining adequate insurance coverage are proactive steps every driver should take. Understanding Colorado’s comparative fault laws can provide drivers with clarity and peace of mind in the event of an accident. However, navigating fault assignments and insurance claims can be complex. If you or a loved one has been injured in a car accident, Harding & Associates, P.C. is here to help. With decades of experience handling auto accident cases in Denver, CO, our team will fight to protect your rights and secure the compensation you deserve. Call Harding & Associates, P.C. in Denver today at 303-762-9500 or visit our website to schedule a free consultation. Let us help you move forward with confidence.

Filing a Wrongful Death Claim in Colorado: A Compassionate Guide

January 30, 2025 By Nuclear Networking

The loss of a loved one is a profound and life-altering event. When that loss occurs due to someone else’s negligence or wrongful actions, it can intensify the grief and create a deep need for justice. In Colorado, the law provides a way for surviving family members to seek compensation through a wrongful death claim. This guide offers a compassionate and respectful overview of the eligibility requirements and the process involved, ensuring families can navigate this challenging time with clarity and dignity.

Understanding Wrongful Death Claims in Colorado

A wrongful death claim arises when a person’s death is caused by the wrongful act, neglect, or default of another party. In Colorado, these claims aim to provide surviving family members with financial compensation for their loss and hold the responsible parties accountable.

Key Purposes of a Wrongful Death Claim

Accountability for the negligent party’s actions.
Financial support to cover expenses such as medical bills, funeral costs, and lost income.
Justice for the deceased and a sense of closure for surviving family members.

Eligibility to File a Wrongful Death Claim

In Colorado, the law designates who can file a wrongful death claim and when:

During the first year following the death, only the deceased’s spouse has the right to file.
In the second year, both the spouse and the deceased’s children are eligible. If there is no surviving spouse or children, the deceased’s parents may bring the claim.
The personal representative of the deceased’s estate can also file a separate claim for damages suffered by the estate, such as unpaid medical bills or lost wages incurred before the death.

Types of Compensation Available

A wrongful death claim can provide financial relief to surviving family members by compensating for various losses. These damages may include:

Economic Damages: Covering medical expenses, funeral costs, and the loss of the deceased’s income or financial support.
Non-Economic Damages: Compensating for emotional pain, grief, and the loss of companionship.
Punitive Damages: Awarded in cases of egregious negligence or intentional harm, these damages serve to punish the at-fault party and deter similar conduct.

The Process of Filing a Wrongful Death Claim

Pursuing a wrongful death claim can be a complex process. Working with an experienced Denver wrongful death attorney can ease the burden and ensure all legal requirements are met.

Steps in Filing a Claim

Initiating the Claim: The first step is to file the claim in civil court, adhering to Colorado’s two-year statute of limitations. This timeframe begins on the date of the deceased person’s death. If the wrongful death was caused by, or contributed by any governmental entity you must send in a special notice within 182 days of the death. Please look into Colorado’s Governmental Immunity Act for specific details. Gathering Evidence: Compile critical documents and evidence, such as medical records, accident reports, and witness statements. An attorney can assist in collecting this information. Calculating Damages: Assessing the full extent of financial and emotional losses is essential. This includes current expenses like medical bills and projected losses such as future income and benefits. Negotiating or Litigating: Many wrongful death claims are resolved through negotiation and settlement. If a fair settlement cannot be reached, the case may proceed to trial for resolution.

Key Considerations During the Process

Document all expenses related to the death, such as burial costs and outstanding medical bills.
Be mindful of communication with insurance companies, as their goal is often to minimize payouts.
Engage with a compassionate attorney who understands the emotional toll of wrongful death cases and can advocate effectively on your behalf.

How a Denver Wrongful Death Lawyer Can Help

Navigating the legal complexities of a wrongful death claim is challenging during a time of mourning. An experienced Colorado attorney can provide invaluable assistance by:

Offering compassionate and personalized support tailored to your family’s unique situation.
Investigating the case thoroughly to determine liability and build a strong claim.
Representing you in negotiations or court proceedings to secure the maximum compensation possible.

At Harding & Associates, P.C., we understand the profound grief and uncertainty that follow the loss of a loved one. Our team is dedicated to providing respectful and effective legal representation to help families achieve justice and financial security. For those facing this difficult journey, we are here to guide you with care and expertise. Call (303) 762-9500 or visit our website to schedule a free consultation.

What to Do After a Car Accident: A Step-by-Step Guide for Denver Residents

January 15, 2025 By Nuclear Networking

Man making decisions after a car accident in denver, co

Car accidents are stressful and can leave victims feeling overwhelmed and unsure of what to do next. If you are involved in a car accident in Denver, Colorado, knowing the proper steps to take can significantly affect your safety, health, and ability to secure rightful compensation. This guide provides a professional and empathetic overview of the actions you should take immediately after an accident.

Immediate Actions at the Accident Scene

Ensure Safety and Call for Help

Move to safety: If possible, move your vehicle to a safe location to prevent further collisions. Call 911: Report the accident to local authorities, even if it seems minor.

Check for Injuries

Assess yourself and others for injuries. If anyone is injured, request emergency medical assistance.

Secure the Scene

Turn on your hazard lights.
Set up warning triangles or flares if available.

Documenting the Incident

Gather Information

Driver Information: Names, addresses, phone numbers, and insurance details.
Vehicle Information: License plate numbers, make, and model of vehicles.
Witnesses: Contact information of any witnesses.

Take Photos and Videos

Damage to all vehicles involved.
Traffic signs, road conditions, and weather.

Obtain a Police Report

You can file a report online or at a local police station if police do not respond to the scene.

Seek Medical Attention

Even if you feel fine, see a doctor as symptoms of injuries may appear later. Keep all medical records.

Notify Your Insurance Company

Contact your insurance provider and provide details, including photos and the police report number.

Understanding Colorado’s Insurance and Legal Framework

Comparative Negligence Laws

Colorado follows a comparative negligence system, meaning you can recover damages even if you are partially at fault.

Minimum Insurance Requirements

$25,000 for bodily injury per person.
$50,000 for bodily injury per accident.
$15,000 for property damage.

Seeking Legal Representation

When to Contact a Lawyer

Disputes over fault.
Significant injuries or property damage.
Insufficient insurance settlement.

How Harding & Associates, P.C. Can Help

At Harding & Associates, P.C., we guide Denver residents through car accident claims, ensuring their rights are protected.

Steps for Filing a Claim

File a Claim with Your Insurance

Provide photos, videos, and the police report.
Include medical records and repair estimates.

Keep Track of Expenses

Medical bills.
Vehicle repair costs.
Lost income.

Consider Legal Action if Necessary

If negotiations fail, legal action might be needed. A car accident lawyer can help navigate this process. For Denver residents, knowing what to do after a car accident can prevent stress and financial strain. Contact Harding & Associates, P.C. today. Call us at (303) 762-9500 or visit our website for a free consultation.