Personal Injury
AttorneysPersonal Injury
AttorneysPersonal Injury
AttorneysPersonal Injury
AttorneysWhat actually moves a Colorado crash claim is injury proof, fault, and the insurance on the table — not a statewide average. Use the calculator for a sketch, then check coverage.
Colorado requires drivers to carry only $25,000 per person / $50,000 per accident in liability coverage (C.R.S. § 10-4-619; search that section on the official statutes page). If the at-fault driver carries the minimum, a serious injury claim can still stop at those limits unless underinsured motorist (UIM) coverage, another liable party, or collectible assets exist.
UIM is first-party coverage on your policy. Colorado law forbids reducing UIM by a setoff from other coverage (C.R.S. § 10-4-609(1)(c)). Carry enough UIM. The minimum liability on the other car is not a plan.
Adjusters do not pay “crash type.” They pay documented injury, clear fault, and limits they cannot avoid.
Records, imaging, work restrictions, and a treating doctor who will explain the injury beat a one-visit ER discharge. Gaps in treatment are the first thing a carrier uses to call the claim minor.
Under C.R.S. § 13-21-111, your recovery is reduced by your percentage of fault. At 50% or more, you recover nothing. Search that section on the Colorado statutes index. Shared-fault arguments are how a rear-end claim becomes a discount.
A complete liability story does not create money that is not on a policy. Stack liability, MedPay if any, and UIM. Do not assume the other driver’s $25,000 / $50,000 minimum will cover surgery.
Most Colorado motor-vehicle injury claims must be filed within three years of the crash (C.R.S. § 13-80-101). Government defendants have shorter notice windows. Waiting for “the injury to settle down” can run the clock.
The calculator does not see the other driver’s policy, UIM, or disputed fault. Treat the result as a starting sketch, not an offer.
Question 1
Start here
The state matters because fault rules, deadlines, and insurance rules change by state.
Educational estimate only. Actual value depends on medical proof, fault, and available coverage. For a case-specific review, call for a free consultation.
Statewide crash, fatality, and injury counts live on the census hub. This page is how a claim is valued. Do not mix those jobs.
Liability patterns differ. These pages explain the claim shape — not a promised range.
There is no official statewide average that predicts your claim. Recoverable dollars depend on medical proof, fault under C.R.S. § 13-21-111, and the insurance that actually exists. A calculator can sketch a range; it cannot see policy limits or disputed liability.
Colorado’s compulsory liability minimum is $25,000 per person / $50,000 per accident (C.R.S. § 10-4-619). If the at-fault driver carries only that, a strong claim can still stop at those limits unless UIM, another liable party, or collectible assets exist.
Colorado uses modified comparative negligence (C.R.S. § 13-21-111). Your recovery is reduced by your share of fault. At 50% or more, you recover nothing. Insurers argue shared fault to shrink payouts.
Most motor-vehicle injury claims must be filed within three years of the crash (C.R.S. § 13-80-101). Missing the deadline typically bars the claim. Government defendants have shorter notice rules.
First offers are made before the medical picture is complete. Once you sign a release, later treatment is usually your problem. Get the records, the coverage, and the fault story straight before you settle.
Maximum Injury Compensation. No Fees Unless We Win. We will look at coverage and proof, not a published average.