Briefing Materials & Resources

The following materials provide the primary factual, legal, and policy foundation for Federal Claims Advisors’ public-safety advocacy regarding work-vehicle insurance misclassification and financial responsibility failures.

These documents are intended for use by policymakers, regulators, journalists, researchers, and members of the public.

Primary Research & Reports

[Download]  FCA White Paper: Work-Related Use of Personal Vehicles in Colorado (December 23, 2025)

A detailed examination of how personal auto insurance policies interact with scope-of-employment liability, business-use exclusions, and employer insurance practices in Colorado

[Download]  Report: The Public Safety Crisis in Colorado’s Auto Insurance System (Aug. 2025)
A comprehensive legal and policy analysis addressing illusory coverage, work-vehicle misclassification, and the systemic failures that allow commercial risk to be shifted onto victims, workers, and taxpayers

Official Correspondence & Government Briefings

[Download]  Letter to U.S. Secretary of Transportation Sean Duffy (December 23, 2025)

A formal request for federal review of insurance integrity and financial responsibility as a core public-safety issue, paralleling current federal audits of commercial driver licensing compliance

[Download]  Letter to Governor Jared Polis (December 23, 2025)

A formal request for state executive action, transparency, and corrective measures addressing insurance verification blind spots and work-vehicle misclassification

Federal Oversight & Audit Authorities

Recent federal enforcement actions confirm that licensing integrity and insurance integrity are inseparable public-safety obligations.

The following authorities document the federal government’s active oversight of commercial driving standards in Colorado and other states:

These federal actions underscore the same policy principle addressed in this initiative:

public safety systems fail when verification exists on paper but not in practice.

Colorado Legal Authorities

 This advocacy is grounded in existing Colorado statutes governing compulsory insurance, disclosure, and consumer protection:

 C.R.S. § 42-4-1409

Compulsory insurance and motor vehicle financial responsibility requirements
🔗 https://colorado.public.law/statutes/crs_42-4-1409

 This statute requires that every motor vehicle operated on Colorado roads be covered by liability insurance meeting minimum financial responsibility limits. The law is intended to ensure that persons injured in motor vehicle crashes have access to a meaningful source of compensation. When vehicles are insured in name only, but coverage evaporates due to undisclosed work use or policy exclusions, the statute’s public-safety purpose is undermined.

 C.R.S. § 10-3-1117

Mandatory disclosure of insurance policy limits and coverages in third-party claims
🔗 https://colorado.public.law/statutes/crs_10-3-1117

Insurers must timely disclose applicable policy limits, coverages, and exclusions to third-party claimants upon request. The provision was enacted to prevent concealment, delay, and strategic opacity in insurance claims handling. In work-vehicle cases, delayed or incomplete disclosure can obscure whether a personal policy actually applies or whether commercial coverage should have been in place.

 C.R.S. § 10-4-635

Medical payments coverage requirements and minimum benefits
🔗 https://colorado.public.law/statutes/crs_10-4-635

This statute governs mandatory medical payments coverage and establishes minimum benefits intended to provide prompt payment of medical expenses after an auto accident. MedPay is designed as an immediate, no-fault benefit to reduce financial harm while liability issues are resolved. When liability coverage collapses due to work-use exclusions, MedPay is often quickly exhausted, exposing the inadequacy of minimum insurance structures in serious injury cases.

 C.R.S. § 10-3-1104

Unfair or deceptive trade practices in the business of insurance
🔗 https://colorado.public.law/statutes/crs_10-3-1104

This statute prohibits unfair methods of competition and deceptive practices in the sale and administration of insurance. It reflects a legislative judgment that insurance is a regulated product affecting the public interest, not a purely private contract. Selling or administering policies in a manner that creates the appearance of coverage while routinely denying it under foreseeable conditions raises consumer-protection and market-integrity concerns under this statute.

How These Resources Are Intended to Be Used

These materials may be used to:

  • Evaluate whether a vehicle involved in a crash was properly insured for its actual use

  • Support legislative or regulatory review of insurance and verification systems

  • Inform investigative journalism and public reporting

  • Educate workers, employers, and the public about hidden insurance risks

These resources are published to promote transparency, accountability, and public safety.

Contact

Federal Claims Advisors, LLC

For legislative briefings, media inquiries, or victim assistance related to coverage denials and work-vehicle insurance issues, contact us: