The multiplier method with Colorado's actual rules applied: modified comparative, 50% bar, a 3-year filing window. Every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice. Every claim is different.
You recover only while your negligence is less than the defendant's. Exactly 50% bars recovery. The award is reduced by your share. (C.R.S. §13-21-111(1))
3 years for motor-vehicle claims; 2 years for other injury claims (C.R.S. §13-80-101(1)(n); §13-80-102). The clock is jurisdictional. One day late and no court will hear the case.
At-fault state, Colorado's no-fault system was repealed in 2003.
Minimum liability coverage: 25/50/15, meaning $25,000 per person, $50,000 per accident, $15,000 property damage. (C.R.S. §10-4-620) Policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
HB24-1472 raised the non-economic cap to a flat $1.5M for claims accruing on/after Jan 1, 2025, roughly doubling top-end value in serious non-vehicle cases. And remember the SOL asymmetry: 3 years for car accidents, only 2 for most everything else.
The same multiplier method used everywhere, so (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage. Then Colorado's fault rule is applied: You recover only while your negligence is less than the defendant's. Exactly 50% bars recovery. The award is reduced by your share. The calculator on this page runs exactly that math and prints every line.
3 years for motor-vehicle claims; 2 years for other injury claims (C.R.S. §13-80-101(1)(n); §13-80-102). Miss the deadline and the claim is barred permanently, no matter how strong it is. Claims against government entities often have much shorter notice requirements.
At-fault state, Colorado's no-fault system was repealed in 2003.
Non-economic damages: $1,500,000 cap for claims accruing on/after 1/1/2025 (roughly double the old cap; the clear-and-convincing doubling mechanism was eliminated). Medical malpractice: Non-economic cap phasing up: $415k (2025) → $875k (2029). Punitive damages: Capped at 1× actual damages (3× for repeated willful conduct); can't be pleaded in the initial complaint.