Is Colorado No Fault?

If you’re 50% or more at fault, you may not recover damages. If you’re less than 50% at fault, your recovery may be reduced by your percentage of fault (CRS 13-21-111).

Insurers must offer medical payments coverage. Many policies include it unless you opted out. MedPay can pay certain medical bills regardless of fault.

It helps when the at-fault driver has no or not enough insurance—or can’t be found. Colorado requires insurers to offer UM/UIM; you can reject or lower it in writing.

Often 3 years for motor-vehicle injury claims and 2 years for many other personal-injury claims. Some claims (e.g., certain government entities) have shorter limits. Act promptly.

UM/UIM coverage and MedPay can be critical. File a police report, request your crash report, and notify your insurer promptly. Our guides explain next steps for hit-and-run and uninsured/underinsured claims in Colorado.

Most cases are handled on a contingency fee—you don’t pay attorney’s fees unless there’s a recovery. We explain the fee structure and case costs clearly before you decide. Consultations are free.

Depending on the case, recoverable damages may include medical expenses, lost wages, loss of earning capacity, and non-economic losses (like pain and suffering). Colorado law sets certain limits (caps) that change over time. We update our resources as laws change.

It depends on treatment, liability disputes, insurance reviews, and court timelines. Many cases resolve in negotiation; some require filing or trial. We aim for the right timing for your medical recovery and the facts—not speed at the expense of outcomes.

Not wearing a seat belt can affect how damages are evaluated, but it doesn’t automatically end a claim. Colorado’s comparative fault rules may apply. The facts and injuries matter; see our guides on comparative negligence and seat-belt issues.