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At-fault state — Colorado's no-fault system was repealed in 2003.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 — $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 — (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 — and 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At-fault state — Colorado's no-fault system was repealed in 2003.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.