Colorado
Colorado Car Accident Laws: Fault, Insurance, and Your Claim
Independently fact-checked against primary sources (last audited August 17, 2026). · Reviewed by the RecordingLaw editorial team. · Law checked current as of August 17, 2026. · 6 primary sources cited on this page. How we verify our legal content
Colorado is an at-fault (tort) state that follows modified comparative negligence with a 50% bar, meaning the at-fault driver's liability insurer pays for your injuries and property damage, and you can recover as long as you are less than 50% at fault, though your award is reduced by your percentage of fault.
Is Colorado a no-fault or at-fault state?
Colorado is an at-fault (tort) state. When you are injured in a car accident, you pursue compensation through the at-fault driver's liability insurance, not through your own personal injury protection policy. Colorado was once a no-fault state under the Colorado Auto Accident Reparations Act, but the General Assembly repealed that law effective July 1, 2003, and returned the state to a pure fault-based system. Mandatory liability insurance is now governed by C.R.S. Title 10, Article 4, Part 6.
Because Colorado imposes no no-fault threshold, there is no verbal or monetary bar you must clear before you can sue for non-economic damages like pain and suffering. Any injured party may bring a third-party liability claim against the at-fault driver for all damages (economic and non-economic alike) from the moment of the crash. Personal injury protection (PIP) is not required in Colorado. You may optionally purchase Medical Payments (Med-Pay) coverage through your own insurer as a supplement to health insurance, but no PIP or Med-Pay is mandated by state law.
How fault is shared: Colorado's negligence rule
Colorado follows modified comparative negligence with a 50% bar, codified at . Under this rule, a court assigns each party a percentage of fault for the accident. If your share of fault is 49% or less, you can recover damages from the other party, but your award is reduced by your own percentage. If you are found 50% or more at fault, however, you are completely barred from recovery.
This rule has real consequences for multi-car crashes and cases where both drivers share blame. For example, if a jury awards $100,000 but finds you 30% at fault, you receive $70,000. If the jury finds you 50% at fault, you recover nothing. Insurance adjusters routinely use comparative-fault arguments to reduce or eliminate offers, so understanding your actual percentage of responsibility matters before you accept any settlement. The 50% bar (as opposed to the 51% bar used in some other states) makes Colorado's standard slightly less forgiving for plaintiffs.
Minimum car insurance in Colorado
Colorado law requires all drivers to carry minimum liability coverage of 25/50/15 under . That means at least $25,000 for bodily injury or death to any one person, $50,000 for bodily injury or death to all persons in any one accident, and $15,000 for property damage in any one accident. This framework sits within the Motor Vehicle Financial Responsibility law at C.R.S. Title 10, Article 4, Part 6, and Title 42, Article 7.
Uninsured and underinsured motorist (UM/UIM) coverage is not mandatory, but under , insurers must automatically include it at an amount equal to your bodily-injury liability limits. The coverage stays on your policy unless you reject it in writing. The Colorado Division of Insurance (DORA) confirms that most policies carry UM/UIM unless the policyholder actively waives it. Given Colorado's large share of uninsured and underinsured drivers on its roads, keeping UM/UIM in place is a practical safeguard. Med-Pay is also available but optional, providing first-party coverage for medical expenses regardless of fault.
How long you have to file: the statute of limitations
Colorado gives car-accident victims three years to file a personal-injury or property-damage lawsuit arising from a motor-vehicle collision. This comes from (1)(n), which expressly places all tort actions for bodily injury or property damage arising out of the use or operation of a motor vehicle in the three-year limitations category. This is notably longer than Colorado's general two-year personal-injury statute of limitations at C.R.S. § 13-80-102(1)(a), which expressly excludes motor-vehicle torts.
The clock starts running when you know, or reasonably should know, both the injury and its cause under the discovery rule at C.R.S. § 13-80-108. Waiting too long is fatal to your case: even one day past the deadline gives the defendant grounds to dismiss your lawsuit entirely. If your accident involved a government vehicle or a government employee driving on duty, shorter notice-of-claim deadlines under the Colorado Governmental Immunity Act may apply, so consult an attorney promptly in those situations. For a broader look at Colorado's civil filing deadlines, see the Colorado statute of limitations page.
What a Colorado car accident claim is worth
The value of a Colorado car accident claim depends on your actual economic losses plus non-economic damages, offset by your share of comparative fault. Economic damages include medical bills (past and future), lost wages, loss of future earning capacity, and property damage. Non-economic damages cover pain and suffering, emotional distress, loss of enjoyment of life, and inconvenience.
Colorado caps non-economic damages under at approximately $1.5 million for cases filed on or after January 1, 2025 (the cap is inflation-adjusted). Economic damages have no statutory cap. In practice, the at-fault driver's minimum 25/50/15 policy often determines how much money is actually available after a serious crash. If the at-fault driver is underinsured, your own UM/UIM coverage fills the gap up to your policy limits. Colorado's 50% comparative-fault bar means any contributory negligence on your part directly reduces your net recovery. Use the Colorado car accident settlement calculator to estimate a range based on your specific facts.
What to do after a car accident in Colorado
The steps you take immediately after a collision can protect both your health and your legal rights. First, move to safety if possible and call 911. Colorado law requires you to report accidents resulting in injury, death, or significant property damage to law enforcement. While waiting for police, check on all parties and do not admit fault or apologize, since any statements can be used against you later.
Document the scene thoroughly. Take photos of vehicle positions, damage, skid marks, traffic controls, and any visible injuries. Collect names, contact information, insurance details, and driver's license numbers from all drivers involved, along with contact information from witnesses. If officers respond, get the report number. Seek medical attention as soon as possible, even if you feel fine initially, because symptoms of whiplash, concussion, or soft-tissue injuries often appear hours or days later. Gaps in medical care give insurers grounds to argue your injuries were not serious or were caused by something else. Before you give a recorded statement to the at-fault driver's insurer or accept any settlement offer, speak with a licensed Colorado personal-injury attorney. Initial consultations are typically free, and accepting an early offer may permanently release all future claims.
This article is general legal information, not legal advice. Car accident law varies by state and changes, and settlement values depend on the specific facts. For advice about a specific crash, consult a licensed attorney in Colorado.
Related pages: Colorado Car Accident Settlement Calculator | Colorado Hit-and-Run Laws | Car Accident Laws by State | Colorado Statute of Limitations
More Colorado Laws
Frequently Asked Questions
Is Colorado a no-fault state?
No. Colorado repealed its no-fault Auto Accident Reparations Act effective July 1, 2003. Colorado is now a tort (at-fault) state, meaning you recover from the at-fault driver's liability insurer, not through your own PIP policy. There is no serious-injury threshold you must cross to sue for pain and suffering.
Is Colorado an at-fault state for car accidents?
Yes. Colorado has been a pure at-fault (tort) state since July 1, 2003. The injured driver pursues a third-party liability claim against the driver who caused the accident. The at-fault driver's insurance company is responsible for paying bodily-injury and property-damage claims up to its policy limits.
What is the statute of limitations for a car accident in Colorado?
Three years from the date of the accident (or from when you knew or should have known of the injury) under C.R.S. § 13-80-101(1)(n). This is longer than Colorado's general two-year personal-injury deadline, which expressly excludes motor-vehicle torts. Missing the deadline bars your lawsuit entirely.
Can I still recover if I was partly at fault in Colorado?
Yes, as long as you are less than 50% at fault. Colorado follows modified comparative negligence with a 50% bar under C.R.S. § 13-21-111. Your damages are reduced proportionally by your percentage of fault. If you are found exactly 50% at fault, you recover nothing.
What are the minimum insurance requirements in Colorado?
Colorado requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage (C.R.S. § 10-4-620). UM/UIM coverage at matching limits is automatically included unless you reject it in writing under C.R.S. § 10-4-609.
How much is my Colorado car accident claim worth?
It depends on your economic losses (medical bills, lost wages, property damage) and non-economic losses (pain and suffering, emotional distress), reduced by your share of comparative fault. Colorado caps non-economic damages at roughly $1.5 million for cases filed on or after January 1, 2025 under C.R.S. § 13-21-102.5. Economic damages are uncapped. Use the Colorado car accident settlement calculator for an estimate.
Is PIP required in Colorado?
No. Colorado eliminated mandatory personal injury protection (PIP) when it repealed its no-fault act in 2003. Drivers may optionally purchase Medical Payments (Med-Pay) coverage, which covers immediate medical expenses regardless of fault, but no PIP or Med-Pay is required by Colorado law.
Injured in Colorado? Get a free case review from a personal-injury attorney
If someone else's negligence caused your injury, you may be owed compensation for medical bills, lost wages, and pain and suffering. Get a free, no-obligation review from a Colorado personal-injury attorney. Most work on contingency, so there is no upfront cost.
Updates
Independently fact-checked against the cited primary sources; governing law re-checked for recent changes
Governing law re-checked for recent changes
Reviewed and approved by an editor
The Law Behind This Article
This article rests on the statutory provisions below, held in our own legal record and retrieved from the official source. Tap a section to read the operative text.
Colorado Revised Statutes, Title 10: Insurance
§ 10-4-609Insurance protection against uninsured motorists - applicabilityIn forcecited in 2 of our articles
(1) (a) (I) Except as described in subsection (1)(a)(II) of this section, an automobile liability or motor vehicle liability policy insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle, which policy is delivered or issued for delivery in this state with respect to any motor vehicle licensed for highway use in this state, must provide coverage or supplemental coverage, in limits for bodily injury or death set forth in section 42-7-103 (2), under provisions approved by the commissioner, for the protection of persons insured under the policy who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness, or disease, including death, resulting from a motor vehicle accident.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at olls.info
Cited in 49 court opinionsMost recently applied by a court: 2025
Leading cases:
- Allstate Insurance Co. v. Huizar (Supreme Court of Colorado 2002, 52 P.3d 816)“…izar v. Allstate Ins. Co., 952 P.2d 342 (Colo.1998) and Colo.Rev.Stat. § 10-4-609 as creating a public policy or statutor…”
- USAA v. Parker (Supreme Court of Colorado 2009, 200 P.3d 350)“…nt of underinsured benefits as required by Colorado statute C.R.S. 10-4-609," the UM/UIM statute, and that "USAA is…”
- Bernal v. Lumbermens Mutual Casualty Co. (Colorado Court of Appeals 2003, 97 P.3d 197)“…pressed legislative purpose, unless expressly authorized by C.R.S. § 10-4-609(1), restrictions on UM/UIM protection a…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Colorado Hit and Run Laws: Penalties and What to Do
§ 10-4-620Required coverageIn force
Subject to the limitations and exclusions authorized by this part 6, the basic coverage required for compliance with this part 6 is legal liability coverage for bodily injury or death arising out of the use of the motor vehicle to a limit, exclusive of interest and costs, of twenty-five thousand dollars to any one person in any one accident and fifty thousand dollars to all persons in any one accident and for property damage arising out of the use of the motor vehicle to a limit, exclusive of interest and costs, of fifteen thousand dollars in any one accident.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at olls.info
Cited in 4 court opinionsMost recently applied by a court: 2023
Leading cases:
- Government Employees Insurance v. Brown (District Court, D. Colorado 2010, 739 F. Supp. 2d 1317)“…hou *1321 sand dollars in any one accident.” C.R.S. § 10-4-620. In a related statute addressing penalt…”
- Government Employees Insurance v. Moore (Court of Appeals for the Tenth Circuit 2011, 427 F. App'x 643)“…ury or death arising out of the use of the motor vehicle.” Colo. Rev. Stat. § 10-4-620. We conclude it does not. The Colorado…”
- Alspaugh v. Federated Mutual Insurance Company (District Court, D. Colorado 2023)“…nt. Colo. Rev. Stat. § 10-4-620.…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Colorado Revised Statutes, Title 13: Courts and Court Procedure
§ 13-21-102.5Limitations on damages for noneconomic loss or injury - definitionsIn forcecited in 2 of our articles
(1) The general assembly finds, determines, and declares that awards in civil actions for noneconomic losses or injuries often unduly burden the economic, commercial, and personal welfare of persons in this state; therefore, for the protection of the public peace, health, and welfare, the general assembly enacts this section placing monetary limitations on such damages for noneconomic losses or injuries. (2) As used in this section: (a) Derivative noneconomic loss or injury means nonpecuniary harm or emotional stress to persons other than the person suffering the direct or primary loss or injury. (a.5) Inflation means the annual percentage change in the United States department of labor's bureau of labor statistics consumer price index for Denver-Aurora-Lakewood for all items paid by all urban consumers, or its successor index. (b) Noneconomic loss or injury means nonpecuniary harm for which damages are recoverable by the person suffering the direct or primary loss or injury, including pain and suffering, inconvenience, emotional stress, and impairment of the quality of life.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at olls.info
Cited in 18 court opinionsMost recently applied by a court: 2025
Leading cases:
- James v. Coors Brewing Co. (District Court, D. Colorado 1999, 73 F. Supp. 2d 1250)“…ges for non-economic losses). The introductory paragraph to C.R.S. § 13-21-102.5 states: The general assembly fin…”
- LEDSTROM BY AND THROUGH LEDSTROM v. Keeling (District Court, D. Colorado 1998, 10 F. Supp. 2d 1195)“…limitation on damages for noneconomic loss or injury under C.R.S. § 13-21-102.5? Factual Background…”
- Dorr v. Briggs (District Court, D. Colorado 1989, 709 F. Supp. 1005)“…his action and not to apply the non-economic damages cap of C.R.S. § 13-21-102.5 (1987 Repl.Vol. 6A) because of its unco…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Colorado Slip and Fall Laws: Proving Premises Liability Under the PLA
§ 13-21-111Negligence cases - comparative negligence as measure of damagesIn forcecited in 4 of our articles
(1) Contributory negligence shall not bar recovery in any action by any person or his legal representative to recover damages for negligence resulting in death or in injury to person or property, if such negligence was not as great as the negligence of the person against whom recovery is sought, but any damages allowed shall be diminished in proportion to the amount of negligence attributable to the person for whose injury, damage, or death recovery is made. (2) In any action to which subsection (1) of this section applies, the court, in a nonjury trial, shall make findings of fact or, in a jury trial, the jury shall return a special verdict which shall state: (a) The amount of the damages which would have been recoverable if there had been no contributory negligence; and (b) The degree of negligence of each party, expressed as a percentage.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at olls.info
Cited in 26 court opinionsMost recently applied by a court: 2026
Leading cases:
- Lyons v. Nasby (Supreme Court of Colorado 1989, 13 Brief Times Rptr. 324)“…statute and is himself negligent as a matter of law. See C.R.S. section 13-21-111(1) (1973).” 8 Id. In our view,…”
- Colorado Flying Academy, Inc., a Colorado Corporation, Federal Insurance Company, and Associated Aviation Underwriters v. The United States of America (Court of Appeals for the Tenth Circuit 1984, 724 F.2d 871)“…lorado comparative negligence statute. See Colo.Rev.Stat. § 13-21-111 (1973). 10 . Plain…”
- Weaver v. Blake Ex Rel. Blake (Court of Appeals for the Tenth Circuit 2006, 454 F.3d 1087)“…percentage of responsibility is fifty percent or more. See Colo. Rev. Stat. § 13-21-111(1) (2005) (“Contributory negligence sha…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Colorado Dashcam Laws: Legality, Mounting Rules, and Evidence Use, Colorado Dog Bite Laws: Liability and Victim Rights
§ 13-80-101General limitation of actions - three yearsIn forcecited in 3 of our articles
(1) The following civil actions, regardless of the theory upon which suit is brought, or against whom suit is brought, shall be commenced within three years after the cause of action accrues, and not thereafter: (a) All contract actions, including personal contracts and actions under the Uniform Commercial Code, except as otherwise provided in section 13-80-103.5; (b) Repealed. (c) All actions for fraud, misrepresentation, concealment, or deceit except those in section 13-80-102 (1)(j); (d) and (e) Repealed.
Official text (excerpt) · last checked 2026-07-29 · Read the full text in our law library · Verify at olls.info
Cited in 77 court opinionsMost recently applied by a court: 2026
Leading cases:
- Jones v. Cox (Supreme Court of Colorado 1992, 16 Brief Times Rptr. 555)“…Accident Reparations Act", part 7 of article 4 of title 10, C.R.S. § 13-80-101(1)(j), 6 C.R.S. (1986 Supp.). Jones arg…”
- Grynberg v. Total S.A. (Court of Appeals for the Tenth Circuit 2008, 538 F.3d 1336)“…uciary duty is three years from when the claim accrues. See Colo. Rev. Stat. § 13-80-101(1)(f). To establish a claim under Color…”
- Ebrahimi v. E.F. Hutton & Co. (Court of Appeals for the Tenth Circuit 1988, 852 F.2d 516)“…three-year limitations period for general fraud pursuant to Colo.Rev.Stat. § 13-80-101(l)(c) (1987), 3 rather than the antifr…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Colorado Statute of Limitations: Filing Deadlines by Case Type, Colorado Debt Collection Laws: Wage Garnishment, Statute of Limitations, and Repossession
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Sources and References
- C.R.S. §§ 10-4-601 to 10-4-639 — Colorado Motor Vehicle Financial Responsibility (minimum liability limits, UM/UIM)(content.leg.colorado.gov).gov
- C.R.S. § 10-4-620 — Minimum liability limits 25/50/15(leg.colorado.gov).gov
- C.R.S. § 10-4-609 — UM/UIM offer-and-written-rejection requirement(leg.colorado.gov).gov
- C.R.S. § 13-80-101(1)(n) — Three-year statute of limitations for motor-vehicle tort actions(leg.colorado.gov).gov
- C.R.S. § 13-21-111 — Modified comparative negligence (50% bar)(leg.colorado.gov).gov
- C.R.S. § 13-21-102.5 — Cap on non-economic damages(leg.colorado.gov).gov