Colorado generally allows 2 years from the date of a tort to sue to responsible parties. Hire a local attorney ASAP.
My responses to questions on Avvo are never intended as legal advice and must not be relied upon as legal advice. I give legal advice only in the course of an attorney-client relationship. Exchange of information through Avvo's Questions forum does not establish an attorney-client relationship with me. That relationship is established only by individual consultation and execution of a written agreement for legal services.
If an automobile was involved, you have three years to bring a lawsuit.
The challenge you have is that in the world of attorneys, the sum of money at stake is so small, no attorney is likely to jump into this battle short of charging you an hourly rate that would absolutely cost you more than simply making arrangements to pay the bill.
The insurance carrier is obligated to pay reasonable charges -- not necesarily the jacked up prices charged by health care providers. In fact, there is growing area of litigation in Colorado as it relates to the bills generated by health care providers and what is reasonable.
I wish you luck.
In no way am I offering you legal advice, and in no way has my comment created an attorney-client relationship. You are not to rely upon my note above in any way, but insted need to sit down with counsel and share all relevant facts before receiving fully-informed legal advice. If you want to be completely sure of your rights, you must sit down with an experienced criminal defense attorney to be fully aware of your rights.
This is a difficult situation. If you went to a lawyer the fees would be more than the dispute. I suggest you contact the Colorado insurance commisioner. Good Luck
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