Car accidents happen every day in Colorado, and knowing the laws that impact accident claims can make a significant difference in protecting your rights. If you have suffered injuries in a crash, understanding these laws can help you navigate the claims process and ensure you receive the compensation you deserve. Consulting with an experienced car accident lawyer in Denver can also provide valuable guidance on how to proceed.
At William McBride Law Group, we are dedicated to helping accident victims understand their rights and fight for fair compensation. Below, we summarize key Colorado car accident laws that every driver should know.
1. Colorado Is an At-Fault State
Colorado follows an at-fault system when it comes to car accidents. This means that the driver who is responsible for causing the accident is also responsible for paying damages. Victims can seek compensation through:
- Filing a claim with the at-fault driver’s insurance company
- Filing a claim with their own insurance (if they have the right coverage)
- Filing a personal injury lawsuit against the at-fault driver
2. Comparative Negligence Rule
Colorado uses a modified comparative negligence rule when determining fault in car accident cases. Under this rule:
- You can recover compensation as long as you are less than 50% at fault for the accident.
- If you are found partially responsible, your compensation will be reduced by your percentage of fault.
For example, if you were found 20% at fault for an accident and your total damages were $100,000, you would only be able to recover $80,000.
3. Minimum Insurance Requirements
All drivers in Colorado are required to carry minimum liability insurance. The current minimum coverage limits are:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage
While these limits may cover minor accidents, they may not be enough for severe injuries. That’s why it’s essential to consider additional coverage options such as uninsured/underinsured motorist coverage.
4. Uninsured and Underinsured Motorist Coverage
If you are hit by a driver who does not have insurance or whose coverage is insufficient, uninsured/underinsured motorist (UM/UIM) coverage can help cover your damages. While Colorado law does not require drivers to carry UM/UIM coverage, insurance companies must offer it. If you decline this coverage, you must do so in writing.
According to the Colorado Division of Insurance, having this coverage can provide essential financial protection in cases where the at-fault driver cannot pay for your losses.
5. Statute of Limitations for Car Accident Claims
The statute of limitations sets a deadline for filing a lawsuit after a car accident. In Colorado:
- You have three years from the date of the accident to file a personal injury claim.
- You have two years to file a wrongful death claim if a loved one was killed in a crash.
If you miss these deadlines, you may lose your right to seek compensation. Consulting a car accident lawyer in Denver as soon as possible can help ensure that you take the right legal steps within the required time frame.
6. Hit-and-Run Accidents
Leaving the scene of an accident without stopping is illegal in Colorado. Drivers involved in an accident must:
- Stop at the scene and provide their contact and insurance information
- Offer reasonable assistance to anyone injured
- Report the accident to law enforcement if there are injuries or significant property damage
Victims of hit-and-run accidents can still seek compensation through UM coverage if they have it. If the responsible driver is found, they may face criminal charges and civil liability for damages.
7. No-Pay, No-Play Rule
Colorado does not have a no-pay, no-play law, meaning that even if you do not carry insurance, you can still file a claim against an at-fault driver. However, failing to carry the required insurance can result in fines and license suspension.
8. What to Do After a Car Accident
If you are involved in a car accident in Colorado, take the following steps to protect yourself and your potential injury claim:
- Call 911 – Report the accident and request medical assistance if needed.
- Gather Evidence – Take photos of the accident scene, vehicle damage, and any visible injuries.
- Exchange Information – Get contact and insurance details from the other driver(s).
- Seek Medical Attention – Even if you feel fine, some injuries take time to appear.
- Report the Accident to Your Insurance – Notify your insurer as soon as possible.
- Consult a Car Accident Lawyer in Denver – An attorney can help you understand your rights and negotiate with insurance companies on your behalf.
Get Legal Help from William McBride Law Group
Navigating Colorado’s car accident laws can be challenging, especially when dealing with insurance companies and legal deadlines. At William McBride Law Group, we are committed to protecting accident victims’ rights and maximizing their compensation.
If you need legal assistance after a car accident, contact William McBride Law Group today for a free consultation. Our experienced team will fight to ensure you receive the justice and compensation you deserve.
Understanding your rights is the first step to securing your future. Let us help you get the compensation you need!