How do medical bills work in Colorado personal injury cases?

In Colorado personal injury cases, you're responsible for paying medical bills while your case is pending—the at-fault driver's insurance doesn't pay directly until settlement. Use your health insurance to cover treatment; Colorado allows you to recover the full billed amount in your claim even if insurance paid less. MedPay is available but optional in Colorado. Health insurers have subrogation rights but can be required to reduce their claims proportionally based on attorney fees and case costs under certain circumstances. At Kane Trial Law, we help Colorado clients navigate medical bill payment and negotiate liens to maximize net recovery.