Play the Rotten Game of Colorado Motor Vehicle Property & Casualty Insurance

If you’re involved in a serious automobile collision, these resources can help you navigate the difficult road ahead.

Play the Rotten Game. Motor vehicles can cause devastating injuries and even death—but the real battle often begins after the crash.

Plan your journey toward justice, peace of mind, and resilience. The best way to win is to understand the rules of the game. Start here.

Disclaimer: The Rotten Game (rottengame.com) is for educational purposes only and does not constitute legal advice. Unfortunately, if you file a claim, you may find yourself playing a version of this game—one where insurance companies profit from delay, denial, and aggressive defense.

Protect yourself. Build mental resilience against a system engineered for control and profit, not empathy or fairness.

It’s a Rotten Game, but knowing what to expect—and what you can control—will put you in the strongest position for recovery.

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Crash Scene - Essential Measures

After a Serious Auto Collision

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Scene Investigations & Responders

Witnesses | Police | Fire Dept. | EMTs

Steps to Take after a Serious Auto Collision

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Ambulance Transport - Emergency Rooms

Informed Consent - Legal Forms

Steps to Take after a Serious Auto Collision

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Auto Insurance Coverage in Colorado

Your Policy & At-Fault Coverage

Steps to Take after a Serious Auto Collision

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Investigate Liability Insurance Coverages

First Party - Third-Party - UM/UIM

Steps to Take after a Serious Auto Collision

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Start Here: The Policy Limits Shell Game

Request Disclosures of Coverage Limits (C.R.S. Sec. 10-3-1117)

Steps to Take after a Serious Auto Collision

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Records, Evidence & Accounting

MedPay | Bodily Injury | UM/UIM Claims

Steps to Take after a Serious Auto Collision

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Hospital Emergency & Trauma Care

Financial Billing - Discounted Care Program

Steps to Take after a Serious Auto Collision

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Claims Process & Valuations

Best Strategies vs. Industry Practices

Steps to Take after a Serious Auto Collision

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Your Path to Civil Justice

Settlement, Releases & Litigation

Steps to Take after a Serious Auto Collision

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Criminal Justice

Victim Statements - DUI - Traffic Laws

Steps to Take after a Serious Auto Collision

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Community Outreach

Victim & Witness Compensation Program

Steps to Take after a Serious Auto Collision

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Advocacy for Policy Limits Disclosure

Reforms Inspired by Colorado Laws

Steps to Take after a Serious Auto Collision

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Colorado Auto Insurance Companies

Regulations, Remedies, Reported Data

Steps to Take after a Serious Auto Collision
Steps to Take after a Serious Auto Collision

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Mental Health & Resilience

Trauma Care - Live Your Best Life

Steps to Take after a Serious Auto Collision