Colorado Personal Injury Laws
Colorado follows a modified comparative fault system with a 50% bar — you can recover only if your fault is less than 50%. The general statute of limitations for personal injury is 2 years, but motor vehicle accident claims have 3 years. In 2024, HB24-1472 dramatically increased noneconomic damage caps to $1,500,000 for general PI and $2,125,000 for wrongful death (effective January 1, 2025). Colorado is a fault-based auto insurance state with 25/50/15 minimums.
Last verified: 2026-02-25
Statute of Limitations
General personal injury actions must be filed within 2 years. Motor vehicle accident claims (both bodily injury and property damage) have a 3-year statute of limitations.
Exceptions
When an injury could not reasonably have been discovered at the time it occurred, the statute begins running from the date the injury was or should have been discovered.
Wrongful death claims must be filed within 2 years of the date of death (not date of injury). Extended to 4 years if caused by vehicular homicide.
If a person is a minor or mentally incompetent when the cause of action accrues, the statute is tolled until the disability is removed.
Assault, battery, and false imprisonment claims must be filed within 1 year.
Fault & Liability Rules
Your recovery is reduced by your percentage of fault. If you are 50% or more at fault, you are completely barred from recovery. Colorado abolished joint and several liability — each defendant pays only their proportional share of fault.
Damage Caps
HB24-1472 increased the noneconomic damage cap from ~$642,180 to $1,500,000 for actions filed on or after January 1, 2025. Biennial inflation adjustments begin in 2028.
Wrongful death noneconomic damages are capped at $2,125,000 for actions filed 2025+. No cap applies if the death was caused by a felonious killing.
Punitive damages are capped at 1x actual damages by default. The court may increase to 3x actual damages upon clear and convincing evidence of willful and wanton continued conduct.
Auto Insurance System
Colorado is a fault-based auto insurance state. Minimum liability coverage is 25/50/15 ($25,000 per person, $50,000 per accident for bodily injury, $15,000 for property damage).
Key Colorado Statutes
Colorado abolished joint and several liability. Each defendant is responsible only for their proportional share of fault, except in specific cases like concert of action or violation of hazardous waste laws.
Actions for wrongful death may be brought by the surviving spouse, children, or parents. Damages include loss of income, loss of companionship, grief, funeral expenses, and noneconomic damages.
Official Sources
Not Legal Advice
This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at Colorado Legislature — Revised Statutes. For advice about your specific situation, consult a licensed attorney.
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