Your question is very good although your description of the events raises more issues than you probably anticipate. The standard SOL for accidents in Colorado is three years from the date of the accident. Do NOT rely on this deadline. The SOL could be considerably shorter if you have to go after your own insurance company, if your case involves workman's compensation law, if the other driver was working for or with the government or shortened by a lot of other issues. At this point it sounds like the insurance companies are giving you the run around and you need to get a local attorney involved. We are licensed to practice in Colorado and Texas.
Answered on Apr 10th, 2013 at 1:52 PM