Is Colorado a No-Fault or At-Fault State for Car Accidents?

Colorado is an at-fault state — and that distinction shapes how you pursue compensation after a crash.

At-Fault, Not No-Fault

Colorado abolished its no-fault system years ago. Today, the at-fault driver (through their insurer) is responsible for the damages they cause. You can pursue the at-fault party directly rather than relying solely on your own policy.

What That Means for Your Claim

You generally file a claim against the at-fault driver's liability insurance. If they're uninsured or underinsured, your own UM/UIM coverage may apply.

Comparative Fault Still Matters

Because Colorado uses modified comparative negligence with a 50% bar — you can recover only if you are less than 50% at fault, and your award is reduced by your share of fault, the at-fault analysis isn't all-or-nothing. Your recovery is reduced by your share of fault, and eliminated if you're 50% or more responsible.

Minimum Coverage Limits

Colorado requires drivers to carry minimum liability coverage, but those minimums are often too low for serious injuries — another reason UM/UIM coverage is so important.

This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Colorado attorney.