Terms of Service
Effective Date: February 2, 2025
1. Scope of Services. VictimsGuide.com ("we," "us," or "our") provides services to assist in the preparation and service of legally compliant statutory notices pursuant to Colorado law. Our role is limited to acting as your agent to prepare and serve these notices based on the information you provide. We do not provide legal representation or legal advice. Our website includes legal education materials, but you should seek independent legal counsel for specific legal advice regarding your claim.
2. Service Guarantee. We guarantee that we will properly prepare and serve the statutory notice on the insurer believed responsible for your claim, based on the information you provide. However, we do not guarantee that the insurance company will respond within 30 days or at all, nor that their response will be complete in identifying all applicable coverage or potential vicarious liability.
3. Limitations on Information Access and Use. Under Colorado law, insurance policy information is tightly controlled. A third-party claimant must wait 30 days after strict compliance with statutory steps before gaining access to policy information. Furthermore, any disclosures received must be preserved as confidential and limited in their use and who may access them.
From the 31st day after service, if an insurer fails to provide the required disclosures, a statutory penalty of $100 per day may accrue. However, we do not guarantee enforcement or collection of such penalties, as these issues are determined by legal authorities and courts.
4. Hit-and-Run or Other Investigative Needs. If you require a private investigator to identify a responsible driver, vehicle, or insurance coverage, this falls outside the scope of our services. We may provide general guidance, but you are responsible for engaging appropriate investigative services.
5. Uninsured/Underinsured Motorist (UIM) Claims. To initiate a UIM claim, confirmation of the at-fault driver's policy is required. Until policy information is obtained, insurers, including your own, may not process your UIM claim. We assist in serving statutory notices to obtain this information but do not guarantee insurers will comply or provide the information required for your claim.
6. At-Fault Drivers. If you are the at-fault driver in an accident, we can prepare a form letter for you to send to the claimant requesting compliance with statutory requirements. However, you are responsible for sending the notice, either directly or through an attorney if you are represented. If you have a criminal defense attorney, they may advise you that your insurance company is responsible for handling claims. Nonetheless, under Colorado law, the insured has an independent duty to disclose policy information, regardless of their insurer or attorney's position.
7. Standard Terms of Service.
(a) No Legal Representation: We do not provide legal representation or legal advice. Our role is strictly limited to preparing and serving statutory notices as described.
(b) Accuracy of Information: You are responsible for providing accurate and complete information. We are not responsible for errors or omissions in the information you provide.
(c) No Guarantee of Insurer Response: While we ensure proper service of statutory notices, we do not control insurer responses, compliance, or the completeness of any disclosures received.
(d) Use of Information: Any information obtained through our services must be used in compliance with Colorado law, including confidentiality and restrictions on dissemination. Maintaining confidentiality of the disclosures is your responsibility.
(e) Payment and Refunds: Fees for our services are due at the time of service and are non-refundable once notice preparation and service have commenced.
(f) Limitation of Liability: Our liability is limited to the preparation and service of notices as described. We are not responsible for any legal outcomes, insurer actions, or penalties assessed or collected under Colorado law. Any recovery or claim shall be limited to a refund of the amount paid for the service.
(g) Dispute Resolution: Any disputes arising from these terms shall be governed by Colorado law and resolved through mediation or arbitration in Boulder County, Colorado.
8. Amendments We reserve the right to amend these terms at any time. Your continued use of our services after any amendments constitutes acceptance of the revised terms.
9. Contact Information If you have any questions about these Terms of Service, please contact us at: director@victimsguide.com.