Colorado dropped mandatory no-fault PIP coverage back in 2003 and replaced it with optional MedPay. Every Colorado auto policy typically comes with some MedPay coverage automatically, often around $5,000, which pays medical bills regardless of who caused the crash. Beyond that, health insurance and eventually the at-fault driver’s liability coverage are what pick up the rest.
Why the order matters
MedPay pays first and fast, without waiting to figure out fault. Health insurance often steps in next, and any amount your health insurer pays can become a lien against your eventual settlement, they get reimbursed once the case resolves. The at-fault driver’s insurer is the last one to pay, and usually the slowest.
What to do next
If this is where you are right now, call Mile High Legal at (720) 853-5779 for a free consultation. We handle Colorado car accident and injury claims on contingency, meaning you pay nothing upfront and nothing at all unless we recover money for you.
