Legal Question in Personal Injury in Colorado

Your question will be best answered after you determine the extent of your wife's injuries. If she has no serious injury from the accident, then she may be better off seeking a settlement on her own for the damages suffered - the value of the vehicle, her medical expenses, her loss income and compensation for the pain and suffering. But if she has significant soft tissue injury and/or pain that is not resolved in a few days then she should consult with a personal injury lawyer. The insurance company will never pay the true value of a claim when the injured party is not represented by an attorney. In Colorado, there is a three year statute of limitations for auto accident claims - this means that your wife must file her lawsuit within three years of the accident or lose the right to do so. Occasionally, insurance companies will string along an injured person with promises of settlement, but drag it out until after the statute of limitations deadline. Then there is no threat of a claim and thus no settlement. I hope your wife enjoys a full and speedy recovery, but if not talk to a personal injury lawyer.