How Does Car Insurance Work in Colorado?

When you’re injured in a Denver car accident, it’s important to understand the car insurance laws. These laws will determine whether you can take legal action for what happened. A car accident can result in significant expenses, so recovering a settlement for your damages is important. 

Although a car insurance settlement may help you pay for a portion of your damages, the best way to maximize your claim is with the help of a Denver car accident lawyer. At Justice for Colorado, we’ve handled many car accident lawsuits. We can help you identify the at-fault party in your case.

Colorado is a Fault State

Some states have a no-fault insurance law. This law requires drivers to purchase personal injury protection, which covers much of their initial damages. Colorado is a fault state, which means victims can hold the liable party in their accident accountable right away. There are no restrictions on taking legal action as long as you can prove negligence and prove you’ve suffered damages.

Colorado’s Modified Comparative Negligence Law

Colorado also has a modified comparative negligence law. This law allows all at-fault parties to sue for damages as long as they’re less than 50 percent at fault for the accident. The court will determine your percentage of fault and reduce your settlement by this amount. The benefit of this law is that you can sue someone for injuring you even if you contributed to the accident.

Contact a Car Accident Lawyer in Denver

Because Colorado is a fault insurance state, you can move forward with a lawsuit almost instantly. After your car accident occurs, you should reach out to a Denver car accident lawyer and discuss your options. Our team at Justice for Colorado will investigate your collision and work hard to get the most out of your claim. 


If you’re ready to schedule a free consultation with us, you can call 303-647-9691 to schedule a free consultation. You can also fill out the contact form below to get started.

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