It depends. Sometimes it is necessary to file a lawsuit in Colorado to force wrongdoers to pay for the injuries they cause. Other times, a wrongdoer or their insurer will settle before a lawsuit is filed in Colorado. If the wrongdoer knows that you understand your Colorado legal rights and that you will file a lawsuit if necessary to enforce your rights, then the wrongdoer is often more likely to deal fairly with you. Many times, just having a Colorado attorney will yield more positive results than working with the insurance company directly.