Author: Lindsay

Roth Group Law > Articles posted by Lindsay

Learn the Different Types of Auto Insurance

auto insurance form with car keys

Most of us are aware that we need auto insurance, but knowing which option to choose can be complicated. There are several different types of car insurance, each with varying degrees of coverage. Researching the types of auto insurance before you buy will ensure you have the policy that best suits your needs.  Auto Insurance Types and Differences Liability Insurance In most states, liability insurance is a basic requirement in order to legally drive a car. This type of insurance covers damages to personal property and bodily injury as a result of an accident. An important aspect of liability insurance is that it typically...

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The Blind Spot: Who Is At Fault in an Accident

sideview mirror for checking blind spot

Blind spot accidents account for approximately 840,000 accidents and 300 deaths every year. These types of accidents occur for various reasons and in a wide variety of circumstances but, in essence a blind spot accident occurs because one driver did not see another. Who, then, is at fault in such a situation? Is it the driver who failed to see the other vehicle, or is it the driver who knowingly or unknowingly entered the other car’s blind spot?  The answer to this question is not always straightforward. Generally speaking, the person who did not have the right of way at the...

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Laws for Motorcyclists in Colorado

two harley davidson motorcycles parked in lot

Riding a motorcycle can be exhilarating: speeding along a scenic roadway, the wind in your hair, enjoying the sites and sounds of nature. Unfortunately, riding a motorcycle is also dangerous. Like bicycles, the exposed nature of the vehicle makes motorcyclists much more vulnerable when an accident occurs, no matter how minor. You can reduce your chances of being involved in a deadly crash by knowing motorcyclist laws in Colorado, as well as a few tips to keep yourself safe.  Do Motorcyclists in Colorado Have to Wear a Helmet? Although helmets have been shown to drastically reduce the risk of injury and death,...

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Most Common Insurance Claims for Summertime

motorized boat on a lake

Most of us look forward to summer with its warmer days, trips to the pool, and endless barbecues. Like any season, however, summer comes with inherent hazards that can lead to property damage or injury if you don’t take precautions. Certain insurance claims are much more common in the hotter months. Knowing what to look out for can help you avoid having to file one of these common summertime insurance claims and possibly deal with costly damage.  Top 5 Insurance Claims for Summer 1. Fires Outside the Home Summer is the time for grilling. Unfortunately, grills are also a huge fire hazard resulting...

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Who Is Responsible For a Bad Drug Reaction?

a person pouring pills into hand from prescription bottle

Medications often come with a laundry list of potential side effects, ranging from mild to severe. You have likely experienced a reaction to a drug at least once in your lifetime. Over 4 million Americans visit the emergency room every year with complaints related to a new medication.  While side effects are often a necessary evil when taking a new drug, there are certain steps that both the pharmaceutical company and prescribing healthcare professional must take to ensure no one is unexpectedly harmed by a medication.  When is a Pharmaceutical Company Liable for Side Effects? It is the duty of the drug manufacturer...

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Pedestrian Accidents in Colorado

yellow pedestrian crossing sign

Pedestrian accidents account for about 70,000 injuries nationally and 5,000 deaths. 92 of these deaths occured in Colorado in 2021. Sadly, the majority of such accidents affect our most vulnerable population: senior citizens and children. Laws in Colorado exist to protect pedestrians from moving vehicles. Knowing these laws can help you and your loved ones stay safe when crossing the street.  When Do Pedestrian Accidents Occur? There may be no justifiable reason for hitting someone when they are crossing the street, but there are a few scenarios when it is more likely to happen: Turning right on a red light Many pedestrians are struck...

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Do You Need Cannabis Insurance?

dispensary with green cross outside

Insurance for Colorado Dispensaries Cannabis is big business in Colorado. In 2020, the state’s 572 licensed dispensaries generated $1.2 billion in revenue. About one third of those sales occurred in Denver alone, accounting for nearly 6 percent of the city’s overall fund revenue.  Recreational marijuana sales are heavily taxed and strictly regulated. Dispensary owners are expected to be well versed in current cannabis laws, especially those related to security, public consumption, allowable amounts, and legal age.  Unfortunately, adhering to these strict regulations does not always protect marijuana retailers from legal recourse, especially from their customers. For example, if a customer purchased a product...

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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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