Colorado Car Accident Claims
Legal Options After a Car Accident in Colorado After a car accident in Colorado, injured individuals may pursue compensation through insurance claims or by filing a lawsuit against the at-fault driver. Colorado follows a modified comparative negligence system. Victims may recover damages for medical bills, lost income, and pain and suffering as long as they are less than 50% at fault. Colorado generally allows three years to file personal injury claims arising from motor vehicle accidents.
Quick Facts
- Statute: 3 years.
- Fault Rule: Modified comparative negligence (50% bar).
- Minimum Coverage: $25,000 per person / $50,000 per accident / $15,000 property damage.
Key Facts for Colorado Accident Claims
Statute of Limitations
3 years.
Personal injury claims
Fault System
Modified comparative negligence (50% bar).
Comparative fault rules
Min. Liability Coverage
$25,000 per person / $50,000 per accident / $15,000 property damage.
State minimums
Uninsured Motorist
Must be offered; may be rejected in writing.
Coverage status
Statute of Limitations in Colorado
Comparative Fault: Modified comparative negligence (50% bar). Minimum Liability Coverage: $25,000 per person / $50,000 per accident / $15,000 property damage. Uninsured Motorist: Must be offered; may be rejected in writing.
Colorado's Fault System
Colorado follows a modified comparative negligence rule with a 50% bar. An injured person may recover compensation only if they are less than 50% at fault. If they are 50% or more responsible, they are barred from recovery. If less than 50% at fault, damages are reduced proportionally. This system balances shared responsibility while limiting recovery for those primarily at fault.
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Insurance Requirements
Colorado requires drivers to carry at least 25/50/15 in liability insurance. This covers injuries and property damage caused to others. Insurers must also offer uninsured and underinsured motorist coverage. While drivers may reject UM/UIM coverage, keeping it provides valuable protection if the at-fault driver lacks adequate insurance.
Frequently Asked Questions
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