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Colorado Injury Claim Rules

Rules cited to Colorado’s statutes and case lawRules checked How we calculate

Fault rule50% barYou recover only if you are less than 50% at fault. The award is cut by your share.Colo. Rev. Stat. § 13-21-111
Filing deadline2 yearsFrom the injury date. 3 years for vehicle crashes.Colo. Rev. Stat. §§ 13-80-102, 13-80-101(1)(n)
Minimum insurance25/50/15Per person, per crash, property. Colorado is an at-fault state.
Damage caps$1,500,000 non-economic$1.5 million on non-economic damages for claims that arose on or after January 1, 2025.Colo. Rev. Stat. § 13-21-102.5

Calculators with these rules built in

Colorado personal injury settlementAny injury someone else caused, valued under your state’s fault rule.Colorado car accident settlementInjury value plus your vehicle claim, with policy limits and no-fault rules.Colorado truck accident settlementCommercial policies carry far higher limits. See what that changes.Colorado motorcycle accident settlementSevere-injury ranges, fault disputes and the rider’s own coverage.Colorado pedestrian accident settlementHit on foot, including crosswalk fault and your own auto coverage.Colorado bicycle accident settlementCyclist claims under your state’s fault rule.Colorado rideshare accident settlementUber and Lyft layered coverage, by the driver’s app status.Colorado slip and fall settlementPremises claims, where proving the owner knew is half the case.Colorado dog bite settlementStrict-liability and one-bite states, and the homeowner’s policy that pays.Colorado wrongful death settlementLost support, household services and companionship, valued today.Colorado pain and sufferingCompare the multiplier and per-diem methods side by side.Colorado settlement offer checkerPlace an insurer’s offer inside your state’s range.Colorado demand letterA ready-to-edit demand letter for the insurance adjuster.Colorado filing deadlineYour last day to file an injury lawsuit, by state and claim type.Colorado comparative faultHow your share of fault changes the award under your state’s rule.Colorado policy limits and um/uim gapWhen the other driver’s policy runs out, and what your own covers.

This page collects the rules that decide what an injury claim is worth in Colorado: who can recover when both sides share the blame, how long you have to sue, what insurance drivers must carry and whether the state caps damages. Every rule links to the statute or court decision behind it, and every calculator on this site uses these same values.

Colorado is an at-fault state, so claims are paid by the at-fault party’s insurer, and its 50% bar rule sets how much your own share of fault costs you.

Colorado injury claim rules

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.

Filing deadlines. You have two years from the injury to file a personal injury lawsuit, and three years after a vehicle crash. Families have two years for a wrongful death claim, usually counted from the date of death. Three years for injuries from a motor vehicle crash; two years for most other injuries. Claims against a government agency need written notice much sooner.

Car 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.

Dog bites. Owners are strictly liable for economic damages when a dog causes serious bodily injury or death. Other bites follow the negligence rules.

Colorado injury claim questions

Can I still get a settlement in Colorado if I was partly at fault?

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.

How long do I have to file a personal injury lawsuit in Colorado?

two years from the injury in most cases. Three years for injuries from a motor vehicle crash; two years for most other injuries.

Who pays a personal injury settlement?

Usually the at-fault party’s insurer: auto, homeowner’s or business liability coverage. The policy limit often sets the practical ceiling.

Does Colorado cap pain and suffering damages?

Yes. $1.5 million on non-economic damages for claims that arose on or after January 1, 2025.