Getting into a car accident is stressful enough — but being injured while traveling in another state adds another layer of complexity. Each state has its own personal injury and liability laws, which can greatly affect how your claim is handled and how much compensation you may receive.
If you’ve been hurt in an out-of-state car accident, it’s important to understand your rights and take the proper steps to protect yourself. A qualified personal injury attorney who understands multi-state car accident laws can guide you through the process and ensure you don’t miss out on the compensation you deserve.
Understanding Jurisdiction: Which State’s Laws Apply?
In most cases, an accident is governed by the laws of the state where it occurred. That means if your crash happened in Colorado, it would generally be handled according to Colorado’s at-fault insurance laws.
Here in Colorado, the at-fault driver (and their insurance company) is responsible for covering damages caused by their negligence. This can include medical expenses, lost wages, and property damage.
However, things get more complicated if the other driver is from a no-fault state, such as Florida, Michigan, or New York, where drivers typically turn to their own insurance for compensation — regardless of who caused the crash. Understanding which system applies is key to determining how and where to file your claim.
Actions to Take After an Out-of-State Car Accident
If you’re involved in an out-of-state collision, here are the critical steps you should take to protect your health and your legal rights:
Contact Local Authorities
Always call 911 to report the accident and request medical assistance if needed. Having an official police report is crucial for any future insurance or legal claim.
Notify Your Insurance Company
If you were in a no-fault state, you’ll typically file a claim with your own insurer first — even if another driver caused the accident. If the at-fault driver doesn’t carry liability coverage, your uninsured motorist coverage may help pay for your medical bills and vehicle repairs.
Seek Medical Attention Immediately
Even if you don’t feel seriously injured, some symptoms — such as those from whiplash or internal injuries — may not appear right away. Always get checked by a doctor and keep detailed records of all treatment and expenses.
Contact a Car Accident Attorney
An experienced Colorado car accident attorney can help you navigate the complex process of dealing with out-of-state insurance companies. If necessary, they can also help you file a personal injury lawsuit against the negligent driver or their insurer.
Knowing which state’s laws apply and how to maximize your claim can make a huge difference in the outcome of your case. Without an attorney, you risk being taken advantage of by out-of-state insurance adjusters who know how to minimize payouts.
Why You Need a Lawyer for an Out-of-State Accident
Insurance companies are experts at reducing or denying claims — especially when the case involves multiple jurisdictions. Victims who try to handle these claims on their own often face unnecessary delays, denials, and low settlement offers.
By working with a skilled Colorado personal injury law firm, you can ensure that your rights are protected from the start. Your attorney will:
- Investigate the accident thoroughly
- Determine which state laws apply
- Handle all insurance communications
- Pursue the maximum compensation for your injuries
With legal guidance, you can focus on recovery while your lawyer handles the complexities of your case.
Read More: Why Are Women More Likely to Die in Car Accidents?
Contact Our Colorado Springs Car Accident Law Firm Today
Were you or someone you love injured in an out-of-state car accident while visiting or traveling through Colorado Springs? Is the insurance company giving you the runaround? You don’t have to face this alone.
The dedicated attorneys at Schofield & Green Law P.C. are experienced in handling multi-state car accident cases and can help you pursue the compensation you deserve.
Call us today at (719) 694-8515 or fill out our online contact form to schedule your free, no-obligation consultation and discuss your case.
