2026 case-law update: limitations period remains disputed between published divisions
Reynolds v. Great Northern Insurance Co., 2023 COA 77, held that a § 10-3-1117(3) claim is a penalty claim subject to a one-year limitations period accruing on the thirty-first day after receipt of the request. Weatherill v. State Farm Mutual Automobile Insurance Co., 2026 COA 11, expressly declined to follow Reynolds, held that § 10-3-1117 is not a penalty statute for this purpose, applied the two-year catchall limitations period in C.R.S. § 13-80-102(1)(i), and used discovery-based accrual. The conflict means a claimant should not rely on either limitations formulation as conclusively settled statewide without checking current appellate authority.
Administrative consequence: calendar the statutory thirty-day disclosure deadline, but also preserve all evidence bearing on when any omission or undisclosed policy was discovered. A disclosure-compliance service should flag a potential legal deadline issue for attorney review rather than purport to resolve the limitations conflict.
VICTIMSGUIDE FORMS · COLORADO POLICY DISCLOSURE
Colorado Auto Insurance Disclosure Forms & Compliance Support
Working forms and administrative tools for documenting notice of claim, requesting automobile liability policy information, preserving registered-agent service and receipt, auditing insurer responses, and organizing the record for claimant, UM/UIM, or attorney review.
Current-law framework: 2026 · Last updated: September 25, 2026 · Public legal education
Purpose of this page
This page is the working-document layer of the VictimsGuide policy-disclosure system. It does not replace the statute, the current implementation regulation, or individualized legal advice. It separates three different things that should not be confused:
- Statutory disclosure: information and policy production required by C.R.S. § 10-3-1117 when the statute applies.
- Optional supplemental questions: additional coverage questions that may help identify other potentially relevant insurance but are not automatically separate statutory production requirements.
- Administrative workflow: VictimsGuide practices for organizing requests, receipt records, deadlines, responses, and follow-up.
Two tracks: voluntary first, formal when appropriate
Track 1 — Optional voluntary request
A claimant may first ask the claims representative to cooperate voluntarily and provide coverage information quickly. VictimsGuide has used a five-calendar-day requested response period as an administrative practice.
Not a statutory deadline: the five-day request is optional. It is not required by Colorado law and does not shorten, replace, or delay the statutory process.
Track 2 — Formal statutory request
If a claimant uses C.R.S. § 10-3-1117, the formal written request should be directed to the insurer’s registered agent as required by the current statutory and regulatory framework. Preserve proof of receipt and calendar the statutory 30-calendar-day response period.
What § 10-3-1117 requires the claimant-side response to address
For each known policy of the named insured, including excess or umbrella insurance, that is or may be relevant to the claim, the statutory response framework addresses the following core categories:
- Name of the insurer.
- Name of each insured party identified through the relevant policy/declarations information.
- Limits of liability coverage.
- A copy of the relevant policy.
Keep the categories straight: a carrier may voluntarily answer additional coverage questions, but optional questions about business use, employer coverage, exclusions, coverage position, or other insurance should not be described as separate statutory production duties unless current authority supports that conclusion.
Optional supplemental coverage questions
These questions may help develop the broader coverage map. They should be labeled as supplemental rather than presented as automatically required by § 10-3-1117.
- Was the vehicle being used for work, delivery, rideshare, contracting, or another commercial purpose?
- Has any employer, commercial auto, hired/non-owned auto, additional-insured, owner, or business policy been identified?
- Has excess or umbrella coverage been investigated?
- Is coverage accepted, denied, reserved, or still under investigation?
- Is any exclusion, limitation, insured-status issue, vehicle-status issue, or permissive-use dispute being asserted?
- Is there any other policy the carrier knows may be relevant to the loss?
Express exclusion: VictimsGuide does not request premium pricing, underwriting inputs, consumer scoring, rating factors, pricing strategy, discount structure, or other confidential pricing data through this workflow.
Five-step forms workflow
- Confirm notice of claim. Document how the insurer received notice: telephone, email, mail, claim portal, or other written notice.
- Send an optional voluntary request. Ask the claims department to cooperate promptly. If using the VictimsGuide five-day target, label it clearly as a voluntary cooperation request.
- Use a structured response worksheet. Organize policy identity, insured information, limits, policy documents, additional coverage leads, and any coverage position supplied.
- Serve the formal request when appropriate. Verify the exact underwriting company and current registered agent before formal service. Preserve the version served and proof of receipt.
- Coordinate the response. Preserve the statutory response and use it, where legally permitted, for UM/UIM evaluation, attorney review, or other claim analysis.
Form 1 — Optional Voluntary Coverage Information Request
Purpose: confirm notice of claim and request voluntary, expedited coverage information from the claims department. This is not formal registered-agent service.
Header and claim information
- Date.
- Insurance company legal name if known.
- Claims department / adjuster.
- Address or email.
- Claimant name.
- Date of loss.
- Insured / driver.
- Claim number, if known.
Prior notice of claim
State how and when prior notice was given and identify the person or department notified. Preserve supporting records.
Voluntary request
- Identify the underwriting insurer and relevant policy number if available.
- Provide available liability limits and policy period.
- Provide the policy and relevant endorsements if the carrier will cooperate voluntarily.
- Identify known relevant umbrella, excess, commercial, employer, business-use, owner, or additional-insured coverage where applicable.
- State whether coverage is accepted, denied, reserved, or under investigation if the carrier chooses to provide that position.
Suggested administrative target: a voluntary response may be requested within five calendar days, but that requested period is not the statutory § 10-3-1117 deadline.
Reservation of rights: the voluntary request does not waive the claimant’s ability to use the formal statutory process.
Form 2 — Formal C.R.S. § 10-3-1117 Request
Important: verify the exact legal underwriting company and current registered agent immediately before service. The statutory response period is tied to receipt of the formal written request.
Formal request header
- Date.
- Insurance company legal name.
- NAIC number, if known and verified.
- Registered-agent name.
- Registered-agent service address.
Claimant and loss identifiers
- Claimant name and contact information.
- Date of loss.
- Crash location.
- Crash report number and agency, if known.
- Named insured / driver and vehicle identifiers, if known.
- Claim number, if known.
- Brief identification of the pending or prospective claim.
Statutory request section
Request the information and policy copy required by C.R.S. § 10-3-1117 for each known policy of the named insured, including excess or umbrella insurance, that is or may be relevant to the claim.
- Name of insurer.
- Name of each insured party covered by the statutory response requirement.
- Limits of liability coverage.
- Copy of the relevant policy.
Information expressly not requested: premium pricing, rating factors, scoring, pricing strategy, internal pricing models, or unrelated confidential underwriting data.
Service record
- Exact final request served.
- Service or transmission method.
- Tracking or confirmation number.
- Date and time received.
- Thirty-calendar-day response date entered on the claim calendar.
Optional Supplemental Insurer Response Worksheet
This worksheet is an administrative organization tool. It should not be represented as the insurer’s statutory form unless current law or regulation specifically requires the field.
Policy identification
- Responding insurer legal name.
- NAIC company number.
- Policy number and period.
- Named insured(s).
- Other identified insureds relevant to the event.
Limits and additional coverage
- Bodily-injury liability limits.
- Property-damage limits.
- Combined single limit, if applicable.
- Umbrella or excess coverage.
- Commercial/employer/business-use leads.
Coverage-position information
- Accepted.
- Denied.
- Reserved.
- Under investigation.
- Any identified exclusion, limitation, insured-status, vehicle-status, permissive-use, or business-use issue.
Completeness audit
- Actual policy copy received.
- Relevant endorsements received.
- Known excess/umbrella coverage addressed.
- Missing documents identified.
- Redactions or omissions explained.
Verify the underwriting entity and registered agent
The former page contained a static directory of carrier groups, NAIC numbers, telephone numbers, and suggested registered agents. That directory is not reliable enough to use as a service list because carrier groups often contain multiple underwriting entities and registered agents can change.
- Identify the exact underwriting company from the insurance card, declarations information, claim correspondence, or other reliable record.
- Record the NAIC number when available and verify that it belongs to the same legal entity.
- Check current official Colorado business and insurance records immediately before formal service.
- Preserve the lookup result or other source showing the registered agent and address used.
- Do not serve a parent company, trade name, adjuster, or carrier group merely because the brand appears on the claim file.
Colorado Secretary of State — use current business-entity records to verify registered-agent information.
Confidentiality and handling of policy information
Claim-specific disclosure material should be handled carefully. Information obtained through § 10-3-1117 may be subject to statutory restrictions on disclosure and use. Do not assume that removing names or obtaining a general research authorization automatically makes every proposed use lawful.
Confidentiality caution: before uploading, republishing, broadly sharing, or using statutory disclosure material for research, determine whether the proposed use is permitted by current law. Preserve claimant privacy and do not publish claimant names, insured names, claim numbers, addresses, VINs, or identifying claim details without a legally sufficient basis.
Administrative Disclosure Compliance Support
VictimsGuide may provide non-legal administrative support for organizing disclosure requests and responses. The service is designed to create a reviewable written record, not to provide legal representation or a final coverage opinion.
Administrative tasks may include
- Review claimant-provided intake data for completeness.
- Prepare a voluntary request from claimant-provided information.
- Prepare a formal § 10-3-1117 request when selected.
- Organize insurer/entity and registered-agent verification records.
- Track delivery, receipt, and administrative response dates.
- Log and index insurer responses.
- Prepare a non-legal missing-items or completeness checklist.
- Package the record for claimant, UM/UIM insurer, or attorney review.
The service does not
- Provide legal advice.
- Create an attorney-client relationship.
- Represent the claimant in litigation.
- Determine liability or damages.
- Negotiate settlement.
- Make a final legal coverage determination.
- Threaten litigation or enforcement.
- Request unrelated premium, pricing, scoring, or rating data.
Useful records to prepare
- Crash report, if available.
- Insurance-card photographs or scene insurance information.
- Claim number and adjuster correspondence.
- Evidence showing notice of claim.
- Any existing disclosure response.
- Any denial, reservation-of-rights, or coverage-position letter.
- Claimant’s own declarations information where UM/UIM or MedPay coordination is relevant.
Administrative report output
- Claim and loss identifiers.
- Insurer and claim-contact information.
- Notice-of-claim record.
- Voluntary request record, if used.
- Formal service record, if used.
- Response-date calculation.
- Documents received.
- Missing-items checklist.
- Administrative status: apparently complete, incomplete, late, or nonresponsive based on the documents provided.
- Referral-ready packet index.
Related VictimsGuide resources
- Policy Disclosures — concise Colorado statutory workflow and liability-limits analysis.
- Guide to Policy Disclosures — broader citizen explanation and issue spotting.
- Colorado Guide 03 — Policy Disclosure & Finding Every Insurance Policy — deep authority layer and complete coverage-map analysis.
- Third-Party Liability — driver, owner, employer, commercial, and other responsibility layers.
- UM/UIM — liability settlement sequencing and first-party underinsured-motorist analysis.
- Clean Claim System — place the disclosure request, proof of service, response, policies, omissions, and follow-up into the master coverage file.
Current authority
- C.R.S. § 10-3-1117 — claimant and insured automobile-policy disclosure rights, registered-agent routing, response period, statutory remedies, and disclosure restrictions.
- 3 CCR 702-5, Regulation 5-1-27 — current implementation regulation identified by the VictimsGuide source materials.
- Former Regulation 5-2-03 — historical/repealed; do not use as the operative 2026 implementation rule.
Colorado Revised Statutes — official current source
Colorado Secretary of State — current 3 CCR 702-5 rule source
Educational notice
Public legal education and administrative support only. This page does not create an attorney-client relationship. Statutes, regulations, registered-agent records, insurer entities, forms, and deadlines can change. Verify current official authority and current entity records before formal service, and obtain qualified legal advice when appropriate.
What should I read next?
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