This calculator estimates what a car accident injury claim could be worth under Colorado law. It applies Colorado’s 50% bar rule, the three-year deadline to file suit and the insurance that usually pays, then shows the math line by line, including what you might take home after a lawyer’s fee.
Colorado caps non-economic damages, and the calculator applies the cap when your pain and suffering estimate passes it.
Fault. Colorado uses modified comparative fault with a 50% bar. Your award drops by your share of fault, and at 50% or more you recover nothing, so an even split leaves you with nothing. Insurers know this, so expect them to argue your share up.
Deadline. You have three years from the crash to file a lawsuit in Colorado. Three years for injuries from a motor vehicle crash; two years for most other injuries. A claim against a city, county or state agency usually needs written notice much sooner, sometimes within months. Missing the deadline almost always ends the claim, and with it your leverage to settle.
Insurance. Colorado is an at-fault state, so the at-fault driver’s liability insurance pays your claim. Drivers must carry at least $25,000 per injured person, $50,000 per crash and $15,000 for property damage, written 25/50/15.
Damage caps. $1.5 million on non-economic damages for claims that arose on or after January 1, 2025.
Their insurer will usually pay no more than $25,000 for your injuries. Your own underinsured motorist (UIM) coverage can pay the difference up to your limit. Enter both above to see the ceiling.
Yes, as long as you were less than 50% at fault. Your award is reduced by your percentage, and at 50% or more you recover nothing.
three years from the crash to file a lawsuit. Report the claim to the insurers within days.
No. Colorado is an at-fault state, so you claim against the at-fault driver’s liability insurance, or your own coverage if theirs is too low.
Yes. $1.5 million on non-economic damages for claims that arose on or after January 1, 2025.