You shouldn't have to figure out insurance while you're in pain.
Most CCC patients pay nothing out of pocket. We operate on a lien-based model — you receive full care now, and CCC is paid from your settlement when it resolves. No upfront costs, no bills during treatment, no collections pressure. MedPay and PIP benefits can also be applied to further reduce what you'd owe. These articles explain how it actually works.
4 articles
What Insurance Companies Won't Tell You
How insurance adjusters minimize auto accident claims — and why systematic medical documentation is your strongest protection.
Read moreCommon Adjuster Tactics
Early recorded statements
Used to minimize your injury account
Quick low settlements
Before the full injury picture is clear
Soft-tissue skepticism
Challenging injuries that don't show on X-ray
Delay tactics
Waiting for you to give up or settle cheap
Your defense
Systematic physician documentation is the most effective counter to every one of these tactics.
How Payment Works — The Lien Model
You pay nothing upfront for treatment after a car accident. Here's exactly how the lien model works, how your insurance fits in, and why this model exists.
Read moreHow the Lien Model Works
- 1
You get care
Full treatment, no upfront payment
- 2
CCC documents everything
Records support your claim
- 3
Case resolves
Settlement or judgment
- 4
CCC is paid
From settlement proceeds
- 5
You receive the rest
After legal fees and medical liens
MedPay Coverage After a Car Accident
Colorado auto insurers must offer MedPay by default. Learn what it covers, how to use it immediately after an accident, and why it matters for your recovery.
Read moreMedPay Key Facts
Required by law
CO insurers must offer MedPay by default
No-fault
Pays regardless of who caused the accident
Immediate
Available from day one, before settlement
Stackable
Works alongside lien-based care at CCC
CCC verifies your MedPay coverage before your first visit. If you have it, we apply it — it reduces what comes out of your settlement later.
PIP Coverage in Colorado
Personal Injury Protection covers medical expenses, lost wages, and essential services after an accident — regardless of fault. Learn how Colorado PIP works.
Read moreWhat PIP Covers
- Medical expenses
- Lost wages (up to 80%)
- Essential household services
- Funeral expenses
- Substitute services
No-fault benefit
PIP pays regardless of who caused the accident. It's yours — check your policy before your first appointment.
Questions about what your insurance covers? We verify your benefits before your first visit — no surprises.