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Colorado Legal Framework

Colorado Car Accident Law Guides

These guides translate Colorado crash-law topics into practical action steps so you can protect your deadlines, liability position, and coverage strategy.

Comparative Negligence

Colorado follows modified comparative negligence. Your recovery can be reduced by your share of fault, and recovery is barred when fault reaches 50% or more.

  • Recovery is reduced by your fault percentage.
  • At 50% or more fault, recovery is barred in most negligence claims.
Read Comparative Negligence

Statute of Limitations

Deadlines control whether your claim can be filed at all. Missing a statute deadline can permanently block recovery even when liability is strong.

  • Track deadline dates immediately after a crash.
  • Do not assume insurer negotiations pause filing deadlines.
Read Statute of Limitations

Minimum Insurance Requirements

Colorado requires minimum liability coverage, but minimum limits may not cover severe injury or multi-vehicle loss scenarios.

  • Minimum compliance is not full protection.
  • Serious crashes can exceed minimum policy limits quickly.
Read Minimum Insurance Requirements

MedPay Explained

Medical Payments coverage can provide early no-fault medical bill support after a crash, reducing immediate out-of-pocket pressure.

  • MedPay can pay covered medical costs regardless of fault.
  • Early MedPay use can stabilize treatment continuity.
Read MedPay Explained

UM/UIM Coverage

UM/UIM coverage can become a primary recovery path when the at-fault driver has no insurance or inadequate limits.

  • UM/UIM often activates when third-party limits are unavailable or insufficient.
  • Early policy and limits review prevents avoidable delays.
Read UM/UIM Coverage

Damage Caps

Damage-cap questions can materially affect valuation expectations. Case type and damages category determine whether a cap may apply.

  • Caps do not apply uniformly to every claim type.
  • Economic and non-economic damages can be treated differently.
Read Damage Caps

DUI Accident Liability

DUI-related crashes often involve parallel criminal and civil timelines. Liability may appear clear, but damages still require full documentation.

  • Preserve police/report evidence and timeline records immediately.
  • Criminal case status does not automatically resolve civil damages value.
Read DUI Accident Liability

Stop Sign / Red Light Liability

Intersection crashes often involve conflicting right-of-way narratives. Signal controls, lane position, and witness credibility can decide liability percentages.

  • Right-of-way claims are evidence-sensitive, not assumption-driven.
  • Signal timing and approach angles can change fault outcomes.
Read Stop Sign / Red Light Liability