Breckenridge riders enjoy access to river bottoms, farm roads, and nearby trail systems where ATVs, UTVs, dirt bikes, and snowmobiles are part of everyday life. When a fun day turns into an injury, the path forward can feel confusing. Metro Law Offices helps injured people in Wilkin County and across Minnesota understand their rights and pursue fair compensation. From insurance coverage questions to liability disputes, we work to reduce stress while your focus stays on healing. If you were hurt in a recreational or off‑road crash around Breckenridge, call 651-615-3322 for a free case review tailored to your situation and goals.
Off‑road collisions often involve unique factors that differ from typical roadway crashes. There may be overlapping policies, trail rules, landowner issues, and questions about whether no‑fault benefits apply. We help clarify what matters most at each step, from documenting injuries to preserving evidence before it disappears. Our approach is practical and local, grounded in how claims unfold in and around Breckenridge. Whether your incident involved a trail conflict, a mechanical problem, or another rider’s careless conduct, we’re here to guide you through insurance claims, settlement discussions, and, when needed, filing a lawsuit to protect your rights.
Recreational and off‑road cases can be complex because they often involve nontraditional vehicles, varied terrain, and multiple sources of coverage. Early guidance helps you avoid avoidable mistakes, such as giving broad recorded statements or overlooking important medical documentation. A focused legal strategy can identify every available policy, value your losses accurately, and make sure deadlines are met. It also brings structure to a stressful time, so you receive prompt answers and a clear plan. In Breckenridge, familiarity with local insurers, medical providers, and trail practices can make a meaningful difference in how quickly your claim progresses and how fully it is presented.
Metro Law Offices is a Minnesota personal injury law firm that handles off‑road and recreational claims across the state, including Breckenridge and the greater Wilkin County area. Our team focuses on practical problem‑solving, consistent communication, and thorough documentation. We listen carefully, build your case step by step, and keep you updated on negotiations, medical billing, and timelines. From ATV rollovers to snowmobile collisions and trail conflicts, we understand the insurance and liability issues these cases present. You receive clear explanations, strategic guidance, and steady support designed to protect your rights while you concentrate on recovery and getting life back on track.
Minnesota law recognizes claims for injuries caused by careless operation of recreational vehicles, unsafe maintenance, or dangerous conditions. These incidents frequently occur on private land, shared trails, riverbanks, or access roads. Unlike traditional car crashes, off‑road incidents may involve different insurance structures, including recreational vehicle policies, homeowners coverage, or umbrella policies. If a passenger vehicle was involved, certain no‑fault benefits may also be in play. Building a strong claim means documenting the scene, identifying all involved parties, and understanding which legal standards apply. In Breckenridge, local knowledge helps pinpoint where to find evidence and how to coordinate with nearby providers.
Medical records, photos, and witness statements are critical in these cases because terrain and weather can change quickly. Prompt care establishes a clear medical timeline, while early investigation preserves skid marks, tracks, or property conditions that may later be lost. Your claim typically includes medical expenses, lost income, property damage, and human losses such as pain, limitations, and loss of enjoyment. Negotiations often involve multiple insurers, each with different duties and timelines. Our role is to organize the facts, present your damages convincingly, and respond to defenses that can arise in recreational claims, including arguments about assumption of risk or comparative fault.
A recreational or off‑road claim arises when someone is injured using vehicles or equipment away from public streets, such as ATVs, UTVs, snowmobiles, dirt bikes, boats, and personal watercraft. Claims can also involve e‑bikes, side‑by‑sides, or mixed settings where trails intersect with roads. Liability may stem from careless operation, failure to yield, unsafe speed, or defects in equipment. Land conditions, visibility, and signage can play a role as well. While these cases share features with auto accidents, the policies, rules, and defenses often differ. A tailored approach helps uncover coverage and connect the facts to Minnesota law in a clear, persuasive way.
Strong claims start with evidence: photographs of the scene, vehicle damage, helmet condition, clothing, and injuries. Witness names and contact details add clarity. We review all relevant policies, including recreational vehicle, auto, homeowners, and umbrella coverage, to identify benefits and limits. Medical documentation anchors the claim value by linking injuries to the event and describing future care needs. With that foundation, we present a demand to the insurer, negotiate for a fair outcome, and evaluate settlement offers against medical bills and long‑term effects. If negotiations stall, we discuss filing suit to preserve rights and leverage formal discovery when appropriate.
Understanding common terms helps you make informed decisions. Comparative fault can reduce recovery if an insurer argues you were partially responsible. No‑fault benefits may apply when a passenger vehicle is involved, covering certain medical expenses regardless of fault. Recreational immunity can limit a landowner’s exposure for certain recreational uses, while exceptions may apply when hazards are created or concealed. The statute of limitations sets the deadline to bring a claim, and missing it can end your case. Together, these concepts shape strategy, from evidence collection to negotiation, and help set realistic expectations about timing, value, and potential defenses.
Comparative fault is a rule that allocates responsibility among everyone involved in an incident. If an insurer claims you were partly at fault for an off‑road crash, your compensation may be reduced by your percentage of responsibility. The analysis often looks at speed, lookout, trail etiquette, right‑of‑way, and equipment choices such as helmets or lighting. Careful investigation, photos, and witness statements help counter inflated fault arguments. In Minnesota, the outcome depends on the facts and how persuasively they are presented. The goal is to keep the focus on the other party’s unsafe conduct while fairly addressing any defenses raised.
Recreational immunity generally limits a landowner’s liability when property is opened for recreational use without charge. However, exceptions can apply, including situations involving willful or malicious conduct, hidden hazards created by the owner, or activities that fall outside the statute’s scope. In off‑road claims, this defense sometimes surfaces when incidents occur on private land, near river access, or on informal trails around Breckenridge. Evaluating the property’s use, signage, and the owner’s actions is essential. Even when immunity is asserted, there may be other liable parties, such as negligent operators or equipment manufacturers, that can still be pursued for recovery.
Personal Injury Protection, commonly called no‑fault, may provide certain medical and wage benefits after a crash involving a covered motor vehicle. In some off‑road scenarios, these benefits come into play if a passenger car or truck participated in the event, such as a trail crossing collision. Coverage depends on policy language and how the incident occurred. Off‑road vehicles may carry their own policies, while homeowners or umbrella coverage can also matter. Understanding which benefits apply helps secure prompt medical payments and reduces financial pressure during treatment. We review policy details and claim forms to help you access benefits efficiently and correctly.
The statute of limitations is the legal deadline to file a lawsuit. Missing that deadline typically bars recovery, regardless of how strong your case may be. The time period can vary based on claim type, parties involved, and insurance policies. Because off‑road cases may feature multiple claims—negligence, product liability, or wrongful death—each may carry a different deadline. Early review allows time to investigate, negotiate, and, if needed, file to preserve your rights. If you were injured in the Breckenridge area, do not wait to learn your timeline. A quick call can help clarify your options and protect your claim.
After an off‑road crash, you can negotiate directly with insurers, work with a law firm to handle the claim, or pursue litigation if needed. Direct negotiation may seem faster but can risk missed coverage or undervalued injuries. Partnering with a firm brings organization, documentation, and structured demands to increase the chance of a fair settlement. If negotiations stall, filing suit can provide access to discovery and court oversight. The right path depends on liability clarity, injury severity, medical timeline, and available coverage. We help you compare options honestly so you can choose what aligns with your recovery and financial needs.
If responsibility is undisputed and injuries are minor, a concise negotiation strategy may work well. For example, a low‑speed UTV bump with visible panel damage, immediate photos, prompt clinic care, and a short recovery period often presents clean facts and records. In these situations, we gather bills and proof of missed time, prepare a focused demand, and move quickly toward resolution. The aim is to minimize delay and expense while still capturing fair value for pain, inconvenience, and any temporary limitations. Even in straightforward cases, we verify all applicable coverage to avoid leaving available benefits untapped.
A limited approach can be practical when policy limits are sufficient, property repairs are straightforward, and medical billing is organized. Quick access to coverage for treatment and repairs reduces pressure and supports settlement discussions. We coordinate medical records, confirm lien and subrogation issues, and present a demand calibrated to the facts. The insurer receives a clear picture of how the incident happened, your injury timeline, and the costs involved. By keeping the process streamlined—without sacrificing thoroughness—you can reach a resolution that lets you move forward while still honoring the effort you invested in documenting the claim.
Off‑road crashes on shared trails can involve conflicting accounts, limited visibility, and complicated right‑of‑way rules. When drivers disagree about speed, positioning, or who entered an intersection first, a comprehensive approach is wise. We pursue witness statements, location data, equipment inspections, and scene analysis to clarify what happened. In multi‑vehicle events, different insurers may point fingers at one another. Organizing those narratives, preserving evidence, and building a consistent timeline often shifts negotiations in your favor. The added structure can be decisive when insurers rely on uncertainty to discount your losses or delay resolution.
When injuries affect work, require ongoing care, or limit the activities you enjoy, it’s important to capture the full picture. A deeper strategy documents future treatment, wage loss, and the day‑to‑day effects of pain or restrictions. We gather provider opinions, therapy notes, imaging, and statements that connect the injury to the event and describe likely recovery paths. This detail supports higher‑value negotiations and counters attempts to minimize your claim. In Breckenridge, where seasonal activities are part of community life, properly valuing lost recreation time, hobbies, or family traditions can also matter in telling your story authentically.
A comprehensive approach helps surface every available insurance policy and documents your losses with clarity. By collecting photos, contact information, trail details, and repair estimates early, we reduce disputes and keep negotiations focused on facts. Thorough medical records make it easier to explain your symptoms, treatment plan, and expected recovery. When insurers raise defenses, we respond with evidence rather than speculation. This structure often leads to more accurate claim valuations, fewer delays, and better alignment between your needs and the final outcome. It also positions the case for litigation if negotiations do not produce a fair result.
Comprehensive representation also means steady communication. We set expectations, share timelines, and give practical advice about social media, equipment storage, and medical follow‑through. You always know what we need and why. This transparency reduces anxiety and helps you make informed decisions at key moments, such as accepting an offer or filing suit. In a close‑knit community like Breckenridge, proactive planning matters because trail conditions and witnesses can change quickly. A well‑documented claim not only advances negotiations but also preserves your ability to move forward with confidence if more formal steps become necessary.
Evidence in off‑road cases is time‑sensitive. Tire tracks fade, snow melts, and vehicles get repaired. A comprehensive approach secures photos from multiple angles, captures metadata when possible, and preserves damaged equipment for inspection. We also track weather, lighting, and terrain features that help explain visibility and stopping distance. Witness outreach occurs early, while memories are fresh, and statements are documented carefully. Together, these steps create a reliable foundation for negotiations and, if needed, litigation. Insurers respond differently when faced with concrete facts that withstand scrutiny, increasing the likelihood of realistic offers and timely resolution.
Off‑road incidents can trigger multiple policies, including recreational vehicle, auto, homeowners, renter’s, and umbrella coverage. A comprehensive approach identifies and coordinates these sources so you are not limited to a single policy or minimum limits. We request declarations pages, analyze exclusions and endorsements, and confirm how medical payments, uninsured, and underinsured motorist coverages might apply. When a passenger vehicle is involved, we also evaluate potential no‑fault benefits. By mapping all coverage early, we align strategy with realistic recovery paths. This diligence can be the difference between an underpaid claim and a settlement that reflects the full scope of your losses.
Take wide and close‑up photos of the scene, vehicles, and any visible injuries as soon as it’s safe. Capture tracks, trail signs, road crossings, lighting, and weather conditions. Photograph helmets, clothing, and damaged parts before repair or disposal. Include landmarks to help orient the location for later reference. These details can clarify speed, direction, and right‑of‑way. If others are present, ask for contact information and secure statements while memories are fresh. In Breckenridge, where conditions can change quickly, early documentation makes a meaningful difference in how insurers evaluate liability and how persuasively your claim can be presented.
Notify your insurers promptly and keep a log of all claim communications, including dates, times, and the names of adjusters. Save letters, emails, and claim forms. Be cautious with recorded statements and broad medical authorizations that give carriers access to unrelated history. We can help craft accurate, concise responses that address what is necessary without inviting confusion. Document out‑of‑pocket costs, missed work, and repair estimates as they occur. The more organized your file, the easier it is to present a strong demand and counter low offers. Clear records support credibility and move negotiations forward efficiently.
Insurance companies often evaluate recreational claims differently than standard auto cases, focusing on exclusions, assumption of risk, and equipment choices. Having a legal team manage evidence, medical documentation, and coverage questions can level the field. We translate policy language, coordinate benefits, and help you avoid missteps that delay recovery. In a community like Breckenridge, where off‑road use is common, local familiarity helps us anticipate defenses and gather the right proof quickly. The right guidance supports better outcomes and keeps stress down, allowing you to prioritize health, family, and the activities you want to return to safely.
Beyond negotiations, we help with the day‑to‑day tasks that come with an injury claim, such as tracking medical bills, confirming insurance payments, and addressing subrogation claims. When a case needs more formal steps, we prepare filings and pursue discovery to secure key evidence. Throughout the process, we stay responsive and transparent about strategy, timelines, and potential outcomes. Our goal is to position your claim for a fair, timely resolution that reflects the full impact of the incident. If you were hurt in or around Breckenridge, a quick call can clarify your options and start the path toward recovery.
Off‑road claims in the Breckenridge area often arise from trail collisions at intersections, rear‑end bumps on narrow paths, or unsafe passing on loose gravel. Winter brings snowmobile incidents involving visibility, speed, and mixed terrain. Some cases stem from mechanical failures, maintenance lapses, or defective parts that cause steering or braking issues. Others involve river access, where changing surfaces and shared routes with farm traffic create hazards. Passengers may be hurt when operators misjudge turns, inclines, or water depth. Each scenario brings different insurance and liability questions, which makes early documentation and careful policy review especially important for a strong claim.
Trail collisions frequently occur at blind corners, rises, or intersections with limited sight lines. Right‑of‑way expectations can vary by trail system, and conditions change rapidly with weather and use. Photos of approach angles, signage, and surface conditions help explain what each rider could reasonably see and do. We look for GPS tracks, helmet cam footage, or bystander videos, along with witness statements to fill gaps. When the facts are organized, insurers have a harder time shifting blame. In Breckenridge, where riders share space with agricultural activity, documenting visibility and yield choices is especially important to establishing liability.
Some incidents begin with equipment issues, like sudden brake failure, steering problems, throttle sticking, or structural defects. In these cases, preserving the vehicle and any damaged parts is vital for inspection. We review maintenance records, recall notices, and service history to determine whether improper repair, manufacturing defects, or worn components contributed to the crash. Photos and storage of broken parts support later evaluation. When products or service providers are involved, additional insurance policies may apply, expanding recovery opportunities. By identifying these factors early, we can build a claim that accurately reflects how and why the crash occurred and who should be accountable.
Snowmobile cases present unique challenges due to winter visibility, ice conditions, and speed on groomed or ungroomed trails. Collisions can occur at road crossings, on river routes, or when riders misjudge turns in powder or on hardpack. We emphasize early medical evaluation because cold‑weather injuries sometimes feel delayed. Photos of track marks, grooming patterns, and signage help reconstruct events. Insurance coverage can come from recreational vehicle policies and, in some circumstances, auto or homeowners insurance. In the Breckenridge area, quickly documenting conditions after snowfall or warmups is especially important to counter shifting defenses and preserve a clear record of what happened.
We take a hands‑on approach to gathering evidence, organizing medical records, and presenting your damages clearly to insurers. Our team keeps you updated with plain‑language explanations, realistic timelines, and honest feedback about offers. Because off‑road claims often involve multiple policies, we work to identify every potential source of recovery and to resolve coverage disputes that can slow progress. By combining careful documentation with consistent communication, we aim to reduce stress and move your case forward efficiently.
Local familiarity matters. In and around Breckenridge, we understand how seasonal conditions, mixed‑use trails, and shared rural roads affect liability and evidence. We use that knowledge to request the right records, reach the right witnesses, and present the story of your case in a way that makes sense. Our focus is on practical steps that improve outcomes—timely medical documentation, organized demands, and strategic negotiation—so that your claim reflects the true impact of the incident on your health, work, and daily life.
From day one, we plan for both settlement and litigation possibilities. That means preserving evidence, anticipating defenses, and keeping your options open if negotiations stall. We also help manage medical bills, coordinate benefits, and address liens to prevent surprises at the end of your case. When a fair settlement is available, we aim to secure it efficiently; when more is required, we are prepared to take the next step. You’ll know what’s happening, why it matters, and how each decision supports your goals.
Our process is built around clarity and momentum. We begin with a free consultation to understand the facts, injuries, and insurance picture. Then we gather records, photos, and statements, and map out a strategy that fits your goals. As medical treatment progresses, we update the file and communicate with adjusters, pushing for timely responses. When the record is complete, we prepare a detailed demand and negotiate for a fair outcome. If talks stall, we discuss formal filing to preserve rights. Throughout, you receive regular updates and practical guidance so there are no surprises.
We start by listening. You share what happened, your injuries, and your concerns. We review available photos, insurance cards, and medical notes, then outline immediate steps to protect your claim. That may include preserving the vehicle, securing witness details, and scheduling follow‑up medical appointments. We also identify potential policies and benefits, such as recreational coverage, homeowners, med‑pay, or, if appropriate, no‑fault. By the end of this step, you’ll have a clear plan for evidence, treatment documentation, and communication with insurers so your claim begins on solid ground.
We compile contact information, incident details, and all available photographs or videos. Then we request policy documents to understand limits, exclusions, and endorsements that could affect your claim. This includes recreational vehicle policies, auto, homeowners, renter’s, and umbrella coverage, plus any med‑pay provisions. We also discuss your medical providers and how to keep records complete and consistent. By organizing these pieces early, we set the stage for accurate valuation and efficient negotiation, while preserving flexibility if the case requires more formal action later.
With an initial understanding of the facts and coverage, we create a step‑by‑step plan to guide evidence collection. That can include storing damaged equipment, photographing repairs, checking for recall notices, and obtaining incident reports. We advise on communications with insurers and how to avoid statements that might be taken out of context. We also help schedule follow‑ups with providers and make sure each visit documents symptoms and limitations. This structure keeps momentum, reduces confusion, and ensures your claim reflects both immediate injuries and any developing issues that surface during recovery.
During investigation, we gather witness statements, inspect equipment, and analyze scene details like sight lines, signage, and surface conditions. We coordinate with independent consultants when needed for vehicle or product assessments, and we secure records that place every piece of the puzzle in context. At the same time, we manage claims correspondence, verify benefits, and track bills and liens. This dual focus—building liability proof while organizing damages—helps keep negotiations on track and discourages delay tactics. If defenses arise, we respond with clear evidence and reasoned explanations.
We evaluate how and why the incident occurred using photos, measurements, and witness accounts. When appropriate, we consult independent professionals for vehicle inspections, product assessments, or accident reconstruction input. We also look for digital data, such as GPS tracks or ride apps, and request maintenance or repair records that can shed light on equipment condition. This careful approach turns uncertain narratives into clear timelines. With the facts organized, we can push insurers to address responsibility rather than rely on speculation or incomplete information.
We collect medical records and bills, verify coding accuracy, and ask providers for clarifying notes when needed. Treatment plans, imaging, therapy notes, and work restrictions all help explain the injury’s impact on daily life. We also track out‑of‑pocket expenses, missed income, and property damage. When the record reflects both current and likely future needs, it becomes harder for insurers to undervalue the claim. A well‑documented damages file supports productive negotiations and prepares the case for formal filing if fair offers do not materialize.
With liability and damages documented, we prepare a detailed demand explaining how the crash happened, why the other party is responsible, and what full compensation looks like. We negotiate firmly and explore mediation when it can speed resolution. If settlement talks stall, we discuss filing suit and the steps that follow, including discovery and scheduling. Throughout, we explain options and likely timelines so you can make informed decisions. Our aim is to reach a fair resolution efficiently while preserving your ability to move forward when more formal action is necessary.
We present a clear, evidence‑based demand supported by photos, statements, medical records, and bills. We address defenses head‑on and anchor settlement discussions in facts, not assumptions. During negotiations, we keep you informed about counteroffers and explain the reasoning behind each recommendation. If a fair agreement is reachable, we finalize documentation and work to resolve liens so that your net recovery is protected. This stage often produces resolution when the record is strong and both sides understand the risks and costs of further delay.
When filing becomes necessary, we draft the complaint, serve responsible parties, and move into discovery. This phase allows formal requests for documents, depositions, and, when useful, input from independent professionals. We continue to evaluate settlement opportunities while building a case that can be presented effectively in court. You receive timelines, checklists, and guidance to reduce uncertainty. Even in litigation, many cases resolve through negotiation or mediation once evidence is exchanged. Our preparation ensures you are positioned to pursue a fair outcome at every stage.
Start by checking for injuries and calling for help if needed. Seek medical evaluation as soon as possible, even if symptoms seem minor. Document the scene with photos, gather witness names, and save damaged gear. Avoid repairing vehicles until they are photographed. Report the incident to insurers but keep statements brief and factual. Next, organize medical records, bills, and time missed from work. Contact our office for a free case review to discuss coverage, deadlines, and evidence preservation. Early guidance helps you avoid pitfalls, identify all applicable policies, and take steps that support a fair resolution without unnecessary delay.
It depends on the circumstances. No‑fault benefits are typically tied to covered motor vehicles. If a passenger car or truck was involved in the event, certain no‑fault benefits may apply and can provide early medical and wage support. If only recreational vehicles were involved, different policies may control. We review all available coverage, including recreational vehicle, auto, homeowners, renter’s, and umbrella policies. Understanding how the incident occurred is key to determining which benefits apply. During your free consultation, we can evaluate your situation and help you access benefits promptly while the liability claim is being developed.
Deadlines vary based on the type of claim, parties involved, and insurance policies. The safest approach is to assume time is limited and act promptly to protect your rights. Waiting can risk fading evidence, missing witnesses, and losing the ability to file altogether. During a free consultation, we identify timelines that apply to your facts and create a plan to preserve evidence while negotiations proceed. If discussions stall, we move to filing within the applicable deadline. Early clarity on timing helps you make informed decisions at each step and keeps your options open.
Minnesota uses comparative fault, which can reduce recovery if you are found partly responsible. Insurers often raise this defense in trail collisions with limited visibility. Thorough evidence—photos, statements, and scene details—helps counter overblown allegations and refocuses attention on the other party’s conduct. We investigate approach angles, signage, tracks, and weather to build a clear timeline. When the facts are organized, comparative fault arguments carry less weight. Even if some fault is assigned, a well‑documented claim can still lead to a meaningful recovery that reflects the other party’s share of responsibility.
Often, yes. Claims arising on private land may involve recreational immunity considerations for landowners, but exceptions and other liable parties can exist. Operators, maintenance providers, or manufacturers may share responsibility depending on what caused the crash. We evaluate property use, signage, and the landowner’s actions, as well as equipment condition and rider behavior. By identifying all potential defendants and insurance policies, we widen the path to recovery. A quick case review can explain how these rules apply to your situation and the evidence needed to move forward.
Be cautious. Insurance adjusters may request broad statements or authorizations that can complicate your claim. Provide only basic facts until you understand coverage, liability issues, and the status of your medical documentation. We help you respond accurately and concisely, limiting access to unrelated medical history and preventing misunderstandings. With guidance, you can meet reporting duties while protecting the strength of your claim. If a recorded statement is necessary, we prepare you so your account is clear, consistent, and supported by evidence.
Claim value depends on medical expenses, wage loss, property damage, and human losses such as pain, activity limits, and the impact on your daily life. The severity of injuries and the recovery outlook play a central role. We compile records and opinions from your providers to connect the injury to the incident and explain future needs. We also evaluate coverage limits and any defenses raised. This organized documentation supports negotiations and helps ensure offers reflect the full scope of your losses rather than a narrow view of bills alone.
Photos of the scene, vehicle damage, and injuries are often the most persuasive evidence. Include trail signs, intersection angles, tracks, and surface conditions. Witness statements add context where visibility was limited or accounts differ. We also look for digital information like GPS tracks, ride apps, or helmet camera footage. Maintenance records and recall checks can matter in mechanical failure cases. Together, these pieces create a reliable timeline that insurers take seriously and that supports fair valuation of your claim.
Many Breckenridge cases resolve through negotiation, especially when evidence is strong and medical treatment has reached a stable point. Mediation can also help bridge gaps when the parties are close but not aligned on value. If negotiations stall, filing suit preserves your rights and allows formal discovery to obtain key evidence. Even after filing, many cases settle before trial. We explain timelines and options at each stage so you can choose the path that fits your goals and risk tolerance.
We coordinate with insurers to confirm available benefits, push for timely payments, and correct billing issues. We also track liens and subrogation claims to prevent surprises at settlement. Clear communication with providers helps keep your care on track and your records complete. When settlement funds are available, we work to resolve liens and maximize your net recovery. Throughout the process, you receive updates on balances, payments, and next steps. Our goal is to reduce financial stress so you can focus on healing and returning to the activities you enjoy around Breckenridge.
