Author: Lindsay

Roth Group Law > Articles posted by Lindsay

The Dram Shop Law in Colorado

pouring shots of whiskey as an illustration of a dram shop

Third Party Liability in Drunk Driving Accidents Sadly, drunk driving remains one of the leading causes of fatal car accidents in Colorado. Impaired driving was responsible for approximately one third of all traffic fatalities in 2021, and that number continues to increase. It is fairly common knowledge that a person driving under the influence will be held responsible for a crash. He or she will not only be liable for property damage, but also any injuries or death resulting from the accident. Legal repercussions include license suspension, fines, community service, and even jail time.  What is less common knowledge is that a third...

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Understanding Personal Liability Insurance

man with cane has fallen on steps

Most individuals understand that their homeowners insurance covers damages related to the home, personal property, and certain surrounding structures. They may be less aware that they are also covered, to an extent, in cases of personal liability.  What is Personal Liability Insurance? Personal liability insurance protects an individual in the event that someone is injured on his or her property. It also provides coverage when someone living within the home damages another person’s property. Generally speaking, most personal liability claims happen as a result of negligence. If someone slipped on your sidewalk as a result of an un-shoveled snow, for example, you may...

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Who Is At Fault in a Bicycle Accident?

cyclist riding on calm road to avoid accident

Cycling is a favorite pastime in Colorado, where warm sunny days and gorgeous trails provide the perfect backdrop for outdoor fitness. Unfortunately, the more cyclists there are, the more likely an accident is bound to occur. The most common types of cycling accidents involve collisions with motor vehicles. Fortunately, fatalities from bike crashes involving cars are relatively rare. However, serious injuries as a result of these accidents are quite common. In 2019, the Consumer Product Safety Commission reported over 415,000 visits to the Emergency Room as a result of bicycle accident-related injuries.  Is a Cyclist Ever at Fault in an Accident? You may...

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Truck Accidents and Wrongful Death

couple with arms around each other during church funeral service

Truck accidents are often more severe than other motor vehicle accidents. The sheer size of an average semi-truck means that a collision involving a smaller vehicle can have devastating, even fatal consequences. Accidents involving trucks and fatalities frequently result in wrongful death claims by surviving family members. These types of lawsuits can offer a sense of closure and justice on behalf of the deceased.  Who Is Responsible for a Wrongful Death After a Truck Accident? While it may seem like the driver is the obvious culprit in a trucking accident, there may actually be several individuals or entities who should be held...

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Do You Need An Attorney After a Truck Accident?

semi-truck driving on desert road

There are about 3 million semi trucks in operation across the United States. The average truck is about 72 feet long, 9 feet wide, and 14 feet tall. Even with nothing in the cargo bay, an unladen semi truck can weigh as much as 35,000 lbs. When towing cargo, the US allows for a total weight of up to 80,000 pounds. For reference, that is about the weight of ten Asian elephants.  Suffice to say, semi trucks are big. As a result, accidents involving these trucks can have devastating consequences. About 500,000 truck accidents occur each year in the US, about...

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What Do Adjusters Do?

man with clipboard inspects property damage

Insurance companies employ adjusters to help facilitate the processing of a claim. Whether you are seeking reimbursement for home, auto, health, or life insurance, odds are you will be working directly or indirectly with an adjuster. In general, adjusters exist as a liaison between the policyholder and the insurer. The work of an adjuster can be broken down to accommodate various subtasks and specialties. We will take a look at three common types of adjusters and their typical responsibilities.  Company Adjuster A company adjuster is the most common type of adjuster. These individuals are employed by your insurance company to help process your...

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Why Is Hail So Destructive?

hand holding a large hailstone

How to Know When Hail Will Cause Damage Hail is very much a part of Colorado’s storm season, and it is the primary culprit in millions of dollars in insurance claims every year. To understand why hail is so destructive, it is useful to learn how and why it occurs in the first place. Reviewing the science of hail formation can also be helpful in predicting when it might happen next. What Is Hail? Hail is a kind of frozen precipitation that occurs during a thunderstorm. It begins as water droplets (rain) that are carried upwards by strong wind currents called “updrafts.” These...

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Common Roofing scams and How to Avoid Them

sign reads scam alert against sky back drop

Colorado’s storm season is rapidly approaching. In addition to preparing your home for physical damage and reviewing your insurance policy, you will also need to brace yourself for potential roofing scams.  Unfortunately, areas that have recently been hit by storms are prime targets for roofing scammers. Scams are also prevalent in areas with large senior populations or with older model homes. Being aware of some of the more common roofing scams can help you avoid becoming a victim.  Top 5 Roofing Scams   1. The Storm Chaser Immediately after a storm, national companies will often send hundreds of sales representatives to the most severely impacted...

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How to File a Roof Damage Claim

badly damaged gable roof

Insurance Claims for Storm Damage If you have suffered damage to your roof from a recent storm, you will need to file a claim with your homeowners insurance company to receive funds for repairs or replacement. First, you will want to be sure there are no immediate hazards associated with the damage, such as fallen trees or downed electrical lines.  Steps to File Roof Damage Claim Once you have established that the surroundings are safe, take the following steps to file an insurance claim: 1. Inspect the Damage Take photographs of any damage that has occurred to your roof, siding, windows, downspouts, etc. You can...

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How to Prepare for Storm Season in Colorado

Lightning flashes across purple sky

Colorado's Hail Season Begins in April Storm season in Colorado is one of the longest and most severe in the country. From about mid-April to mid-August, we are wracked by thunderstorms that can bring damaging winds, lightning, and hail. Hailstones, in particular, can cause significant damage to your property. Colorado's Front Range forms the heart of what is known to meteorologists as "Hail Alley." Along with Wyoming and Nebraska, we see an average of 7-9 days of hail per season. That may not seem like a lot, but it is significantly higher than the rest of the nation. In addition to having more...

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