This calculator estimates what a personal injury claim could be worth under Colorado law. It applies Colorado’s 50% bar rule, the two-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 two years from the injury 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. Who pays depends on how you were hurt: auto insurance for a crash, a homeowner’s or business liability policy for an injury on someone’s property, or the at-fault party’s own assets when there is no insurance. The limit of that policy often sets the practical ceiling on a settlement.
Damage caps. $1.5 million on non-economic damages for claims that arose on or after January 1, 2025.
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.
two years from the injury in most cases. Three years for injuries from a motor vehicle crash; two years for most other injuries.
Usually the at-fault party’s insurer: auto, homeowner’s or business liability coverage. The policy limit often sets the practical ceiling.
Yes. $1.5 million on non-economic damages for claims that arose on or after January 1, 2025.