Colorado is an at-fault state, meaning the insurance company of the at-fault driver will be responsible for any bills associated with medical treatment or property damage.
Drivers in Colorado are required to carry the following auto minimum coverage:
$25,000 per person for bodily injury
$50,000 total per accident for bodily injury
$15,000 for property damage
All drivers have the option to increase coverage as well.
If you’ve been injured in a car accident because of someone else’s negligence and you’ve ridden in an ambulance to the hospital, typically the auto insurance of the at-fault driver will pay your ambulance bill.
If your insurance claim is denied, you’ll be able to file an appeal, however, you’ll need to provide sufficient evidence that the other driver is responsible. Having a lawyer to advocate for your rights is the best way to dispute the claim.