No. Colorado has been an at-fault (tort) state since it repealed its no-fault law in 2003. The driver who causes a crash, and their insurer, is responsible for the other people’s injuries and damage.
Colorado follows modified comparative negligence: you can recover damages as long as you are less than 50% at fault, but your recovery is reduced by your share of fault, and you recover nothing if you are 50% or more at fault. That’s why your own coverages matter. Medical Payments helps with your medical bills regardless of fault, Collision pays to repair your car, and Uninsured/Underinsured Motorist coverage protects you when the at-fault driver has little or no insurance.
Questions about your own policy? Johnson Insurance Agency in Englewood helps families and businesses across the Denver metro area and Colorado compare coverage from multiple carriers. Call us at 303-768-8130.
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