Insurance guide
Getting Medical Care After an At-Fault Accident in Colorado
You can seek care even if you caused the crash. Care starts while our team works out coverage and handles billing in Colorado.
Written by The Collision Care Clinic editorial team
Published · Updated
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Being at fault does not put you outside the care conversation. At The Collision Care Clinic, we care for people whether or not they caused the crash. Tell intake about your symptoms and ask how the proposed visit would be billed. You can start that conversation while fault is still uncertain.
Last verified 2026-10-08.
For informational purposes only. Not legal advice.
Care and payment are separate questions
You do not need to argue that someone else caused the crash to ask us about care. Care starts without waiting for every benefit to be verified. Our team works out which coverage applies and handles the billing.
That conversation does not determine legal responsibility or confirm that insurance will pay. Ask what has been verified, what is still pending and what you would owe under the proposed arrangement. This guide cannot determine your benefits or promise payment, a lien or a settlement.
MedPay may help even when you caused the crash
MedPay means medical payments coverage under an auto policy. The Colorado General Assembly's optional auto coverage summary describes medical-expense coverage for the insured vehicle's driver and passengers, “regardless of fault.” The Colorado Division of Insurance also describes MedPay this way.
That does not tell you whether your policy includes MedPay or whether a particular bill qualifies. Ask the policy's claims contact and the clinic's billing team:
- Does MedPay apply to me and this accident?
- What benefits remain after bills already paid or still pending?
- Has coverage for this provider and proposed service been confirmed?
- What amount, if any, would I need to pay?
The Colorado auto-insurance guide explains the MedPay rules and the policy details to check. Keep any coverage response with your bills so you can refer to the same information when you call.
Health insurance needs its own check
The General Assembly's optional auto coverage summary says: “An individual's health insurance may cover injuries sustained in an accident.” It also notes that deductibles, copayments and other costs depend on the plan.
Ask your health plan and the billing team whether the proposed care is covered, whether the provider is in network and whether authorization is needed. Ask how any auto coverage affects billing and what your share would be. Having a health insurance card does not answer those questions by itself.
PIP, or personal injury protection, does not apply in Colorado's current auto-insurance system. The editor's note to C.R.S. 10-4-701 through 10-4-726 records the former no-fault law's “repeal of this part 7, effective July 1, 2003.” Do not rely on older Colorado PIP guidance when checking your options. A policy issued in another state needs its own review.
For a step-by-step route to an appointment, use the at-fault care pathway. It covers checking MedPay, what to bring and how to contact the clinic.
Leave the call knowing what comes next
Have your auto and health insurance information nearby, along with any claim number and bills you have received. Tell the team if you have no insurance or if a coverage answer is still pending. Ask which payment arrangements can be discussed for your situation and request the terms in writing.
Before agreeing to an arrangement, ask what you would pay now and what could be billed later. For the questions to ask about written payment terms and medical liens, read how payment works.
You can reach intake at (720) 716-4379. If the answer needs follow-up, ask who will contact you and what information they still need. The first-visit guide explains what to bring once an appointment is arranged.