What is a car accident claim worth in Colorado?
Every rule below is quoted from Colorado law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Colorado, and the Colorado rules that raise or lower what you collect. $36,314 was the average injury claim paid in Colorado in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Colorado law on this site, each with a link.
What claims paid in Colorado
Injury claims in Colorado averaged $36,314 each in 2022.
Car and property damage claims averaged $6,633.
| Injury claim paid by the at fault driver's insurance | $36,314 |
|---|---|
| Car and property damage | $6,633 |
| Medical payments coverage, paid by your own policy | $5,460 |
| Collision coverage, paid by your own policy | $7,060 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Colorado
If you were partly at fault
Colorado uses modified comparative negligence. You can only recover damages if your share of fault is less than the other party's. If your fault is equal to or greater than theirs, you recover nothing.
“if such negligence was not as great as the negligence of the person against whom recovery is sought”
The other driver's policy limit is the ceiling
Colorado drivers must carry at least $25,000 of liability coverage per person, $50,000 per accident for injuries, and $15,000 for property damage.
“twenty-five thousand dollars to any one person in any one accident and fifty thousand dollars to all persons in any one accident”
If the other driver has no insurance
Insurance companies must include uninsured and underinsured motorist coverage in your policy unless you reject it in writing.
“does not apply if the named insured rejects the coverage described in subsection (1)(a)(I) of this section in writing”
The deadline that ends the claim
You have 3 years to file a lawsuit for injuries from a car crash.
“shall be commenced within three years after the cause of action accrues, and not thereafter”
What a lawyer takes if you hire one
Colorado does not cap the percentage a lawyer can charge in a personal injury contingency fee case. The fee must be reasonable, and the contingent fee agreement must be in writing with specific disclosures.
“A lawyer shall not make an agreement for, charge, or collect an unreasonable fee or an unreasonable amount for expenses.”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.