Colorado Pre-Settlement Funding
Hold your finances steady while your Colorado claim resolves.
Most Colorado injury cases close inside a few years, but the months between accident and settlement check often run longer than people expect. Colorado pre-settlement funding hands you cash now against your active personal injury claim, so rent in Denver or medical co-pays in Colorado Springs don’t go unpaid while litigation runs its course. The advance only gets repaid if you win or settle. A defense verdict cancels the obligation. A lawsuit advance is the practical way to keep the lights on without taking a quick lowball offer from the insurer.
✓ Repay $0 If You Lose
✓ $500 to $250,000+
✓ No Credit Check
Apply For Pre-settlement Funding
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What Makes a Colorado File Approvable
Funding approval depends on three independent factors, and each has to be in place separately for our underwriters to move on the file. We look for an open personal injury case venued in Colorado, an attorney handling the matter on contingency, and a filing date that still falls inside the two- or three-year limitation period that applies to the claim type.
Pending Colorado Suit
An active personal injury case in Colorado District Court, county court, or in the federal District of Colorado. We work with plaintiffs across all 64 counties, from Denver and Boulder through Grand Junction and Durango.
Contingency Lawyer
Your case has to be handled on a contingency fee by an attorney licensed in Colorado. We work the lawsuit advance side directly with your law firm, so you stay out of the back office paperwork.
Case File Quality
Solid liability evidence, real damages, and a defendant with coverage or assets. That is what gets a case approved. Your personal finances, credit, and employment history are not part of the review.
Colorado Claims That Qualify for Funding
The categories below capture nearly all Colorado personal injury filings. Each one gets underwritten on the same criteria.
Auto Accidents
Passenger vehicle wrecks, semi-truck collisions, motorcycle crashes, and DUI-caused injuries. Colorado gives auto claims a three-year statute, which helps cases sit longer in negotiation.
Medical Malpractice
Failure to diagnose, hospital negligence, anesthesia injuries, and skilled nursing complaints. Colorado caps noneconomic damages in medical malpractice cases, which shapes our funding amounts.
Premises & Slip and Fall
Ski resort injuries under the Colorado Ski Safety Act, slip and falls on commercial properties, and negligent security at apartment buildings.
Workplace & Construction
Oil and gas field injuries, construction site accidents, and other third-party negligence cases that sit outside Colorado workers’ compensation.
Wrongful Death
Surviving family claims under Colo. Rev. Stat. § 13-21-202 after a fatal injury caused by negligence.
Mass Tort & Product Liability
National defective product cases, pharmaceutical injury claims, and environmental contamination matters with Colorado venue.
Colorado Pre-Settlement Funding Laws and Regulations
Colorado personal injury law sits on the stricter end for negligent plaintiffs. The state runs modified comparative negligence with a 50 percent bar, so plaintiffs at fifty percent or more recover nothing. Auto cases get a longer three-year statute, but every other personal injury claim runs on a two-year clock. Each Colorado lawsuit funding decision rides on these rules, so verify timing and fault facts with your attorney before assuming anything.
Statute of Limitations for Personal Injury
- General negligence: 2 years from the date of injury under Colo. Rev. Stat. § 13-80-102 [1]
- Motor vehicle accidents: 3 years from the date of the crash under Colo. Rev. Stat. § 13-80-101
- Medical malpractice: 2 years from discovery, 3 years maximum from the act
- Wrongful death: 2 years from the date of death
Colorado is one of the only states that gives auto accident cases an extra year over standard negligence. The three-year auto window applies to all motor vehicle claims, including DUI-related ones. Government tort claims need notice within 182 days under Colo. Rev. Stat. § 24-10-109.
Minimum Mandatory Auto Policy Limits
- Bodily Injury Liability (BI): $25,000 per person / $50,000 per accident [2]
- Property Damage Liability (PD): $15,000
- Personal Injury Protection (PIP): not required
Colorado dropped no-fault auto insurance back in 2003 and is now a fault-based tort state. MedPay coverage of $5,000 has to be offered by insurers but is not required. Around 16 percent of Colorado drivers carry no insurance, which puts UM and UIM coverage in the spotlight on serious cases.
Comparative Negligence Rule
- Modified comparative negligence with a 50 percent bar under Colo. Rev. Stat. § 13-21-111
- If you are 50 percent or more at fault, you recover nothing
- If less than 50 percent at fault, your damages are reduced by your fault percentage
Steps to Get Funded in Colorado
From application to deposit, most Colorado plaintiffs receive funding inside 24 to 48 hours.
1
Quick Intake
Drop your case info into the form above, or call (800) 961-8924 for a quick intake. The application is short. Most files take less than five minutes to start.
2
Underwriting Check
Our team picks up the phone with your Colorado attorney for the case documents, then runs an underwriting check against liability, damages, and coverage. A funding offer goes back to your law firm. Decisions typically arrive within one business day.
3
Money Out
Once both sides sign the funding agreement, we wire the money out. Most Colorado plaintiffs see the deposit within 24 hours of execution.
Colorado Plaintiff Questions
Why does Colorado auto get a three-year SOL?
Colorado lawmakers carved out a separate three-year deadline for motor vehicle injury cases under Colo. Rev. Stat. § 13-80-101, while keeping the standard two-year clock for everything else. The extra year was designed to give claimants time to deal with insurance carriers before filing suit.
Can I still get funded if I’m partly at fault?
If you are under 50 percent at fault, yes. Colorado’s modified comparative negligence rule lets you recover damages as long as the jury places less than half the blame on you. Funding underwriting reflects the same calculation. Cases with clean liability fund easier than ones with shared fault.
What advance amounts are typical?
Our range runs from $500 to $250,000+ depending on case strength. Most Colorado plaintiffs receive 10 to 20 percent of expected gross settlement. The actual number depends on projected case value, liability picture, and what insurance coverage the defendant carries.
What happens to the advance if my case loses?
Nothing happens. Non-recourse means the advance is contingent on you winning or settling. A defense verdict or dismissal cancels the obligation entirely. The money already sent stays in your account.
Resources
- Colorado Revised Statutes § 13-80-102 (Two-year statute of limitations for tort actions). Source: Colorado General Assembly, leg.colorado.gov.
- Colorado Vehicle Insurance Requirements. Source: Colorado Division of Motor Vehicles, dmv.colorado.gov.