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Longmont Colorado Personal Injury Lawyers

Longmont Personal Injury Help

With its tech, breweries, and location close to the mountains and the big cities, Longmont is booming. An experienced Longmont personal injury attorney also understands that Longmont has numerous dangerous intersections where people get hurt. A recent Longmont Times-Call article points out that from 2011-2015 over 1000 crashes happened at only five Longmont intersections. If you or a loved one has been injured at one of these or other intersections, we encourage you to reach out to an experienced Longmont personal injury lawyer who can protect and defend your interests regardless of whether a car, motorcycle, bicycle or pedestrian is involved. Cook, Bradford & Levy, LLC knows Longmont and we can help you if you have been hurt.

What Can I Recover if I was Injured?

In Colorado, an accident victim can recover three main categories of damages: economic damages, general damages, and physical impairment and disfigurement. Experienced Longmont personal injury attorneys understand and work with these three areas of damages on a routine basis and are well-versed in how to prove these damages.

Economic damages are those things that can be assigned a specific dollar amount such as past medical bills, missed work (or having to use PTO or vacation), out of pocket expenses, and medical bills or home healthcare bills that you expect to get in the future. General damages are more difficult to put a hard number on, such as pain and suffering for going through the crash and recovery, loss of enjoyment of life because you cannot do a hobby, or the inconvenience of having to attend medical appointments. As the name implies, physical impairment and disfigurement include effects of injuries such as a scar, a missing limb, or even walking with a limp.

Who Pays for My Damages?

At Cook, Bradford & Levy, LLC, our Rule of Thumb is that an injured person must be fully compensated by whoever caused the injury. When a private person is at fault, a Longmont personal injury lawyer knows to investigate the assets and insurance available for that person. Similarly, when an at-fault driver is on the job or in a company vehicle at the time of the crash, the business’s assets and insurance will be examined. With some exceptions, this is generally true also when a driver is working for the government at the time of the crash.

Unfortunately, most of the time the insurance company or assets of the at-fault driver will not be paid until after the claim is resolved, and in many cases, this means the victim must find a way to pay for their medical bills and otherwise make it through the tough times until a settlement or verdict is reached. This is why a knowledgeable Longmont personal injury attorney will generally recommend that a victim use his or her health insurance (if it is available) to pay as many medical bills as possible. If the victim has “medical payments” coverage on their automobile insurance policy, this coverage should also be used.

Where Does My Insurance Fit In?

When the at-fault driver has no insurance or assets, or does not have enough insurance, then an experienced Longmont personal injury lawyer will know that the victim’s own insurance policies will be in play. Please click here for an in-depth discussion on Uninsured and Underinsured Motorist Coverage (UM/UIM). Many people wonder whether their car insurance rates will go up if they open a UM/UIM claim under their own car insurance policy. Colorado law (Colorado Revised Statute §10-4-416 (2017)) appears to state that so long as the victim is not at fault for the crash, the insurance company cannot raise rates or reduce coverage during the policy period.

Call Today for a Free Consultation

If you were injured in an accident and have questions about what to do, we encourage you to call Cook, Bradford & Levy, LLC at 303-543-1000 for a free consultation. We know Longmont, and we can help.