Your Collision Repair Rights in Colorado

Colorado defines unfair claim settlement practices in the Colorado Revised Statutes, C.R.S. 10-3-1104. These cover conduct such as misrepresenting policy terms, failing to act reasonably and promptly on claims, and failing to provide a reasonable basis for a denial. If you believe your insurer is handling your claim unfairly, you can file a complaint with the Colorado Division of Insurance.

File through the Division's Consumer Portal, where you first create an account with an email and password. The portal walks you through the required sections, and after you submit you receive a Complaint ID and a confirmation email. You can upload supporting documents and communicate with the Division through the portal. If you prefer, you can download, print, and mail a Consumer Complaint Form instead.

At this time, Colorado has no insurance law that addresses diminished value. There may be relevant case law, but the Division of Insurance's regulatory authority is based on the Colorado Revised Statutes. If you are concerned about lost value after a crash that was not your fault, speak with your selected shop, or contact MSCRA, for help finding a licensed appraiser to document a possible loss.

See the shared Right to appraisal section on the main Consumer Help page. In short, if your policy includes an appraisal provision, you can invoke it to resolve a dispute over the cost and method of repair through independent appraisers and, if needed, a neutral umpire.

Ask the shop for a completion date in writing, and ask your insurer in writing for a status and a decision date. If the insurer is unresponsive, or a delay affects your rental coverage, file a complaint with the Colorado Division of Insurance and document every request and response.