123 North College Avenue, Suite 160, Fort Collins, CO 80524
3 Convenient Locations:Ft.Collins | Greeley | Longmont
Hoggatt Law Office, P.C.

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970-225-2190 | 
1-800-664-3151

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Larimer County auto accident attorney

Colorado’s relatively new Made Whole Doctrine serves to protect you from losing all or a significant amount of your liability claim benefits to an insurance company. It is important to understand how this law works so that you know you are getting the compensation that you deserve if you have suffered a personal injury due to another party’s negligence. Even though this law is designed to protect you, you still must work with a qualified personal injury attorney to pursue compensation in court and ensure that insurance companies are not violating any part of the Made Whole Doctrine.

Compensation Before the Made Whole Doctrine

Before the Colorado legislature amended state insurance laws to include the Made Whole Doctrine, health insurance companies or medical providers were allowed to subrogate (substitute themselves as the primary recipient of your personal injury claim) to guarantee that their costs were covered in full before you, the insured, received any compensation. As you could imagine, this caused a lot of problems. For example, if you were involved in a car accident and accrued medical bills that totaled $150,000, but you only received $100,000 in compensation from an at-fault driver's insurance policy or a personal injury lawsuit, the health insurance company could take the entire amount of compensation you received, and you would still be at a loss. Since the goal of compensating an injured party for his or her losses should not harm him or her financially, the Made Whole Doctrine needed to be implemented. 

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Hoggatt Law Office, P.C.

970-225-2190 | 1-800-664-3151

123 North College Avenue, Suite 160,
Fort Collins, CO 80524

Greeley
3835 W. 10th Street
Greeley, Colorado 80634 |
970-460-2220
Longmont
353 Main Street, Suite A
Longmont, Colorado 80501 |
720-575-0509
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