While we are all part of the same country, every state has different laws that impact the lives of its residents. When it comes to car insurance systems, states either follow a no-fault or at-fault rule. What category is Colorado in? Let's find out.
Colorado's At-Fault System
Colorado follows an at-fault system, this means that the party responsible for an accident is also responsible for paying damages through an insurance carrier. Authorities will look at the facts of the accident to determine fault percentages, but it's complicated because they can find more than one party responsible.
Colorado follows a modified comparative negligence theory, which means a driver can only recover damages if authorities determine he or she is less than 50% responsible for an accident. Therefore, if someone is only 49% at fault for an accident, he or she can seek compensation for damages.
However, someone's determined fault percentage has a direct impact on the amount they can recover from the accident. For example, if authorities determine that someone is 40% at fault for an accident, his or her potential recovery will decrease by 40%. As you can see, fault percentages drastically impact recovery amounts, which is why someone injured in an accident should talk to a personal injury attorney about their case.
Talk to an Experienced Attorney From Our Firm
An experienced attorney can examine the facts of a case to estimate if a driver deserves compensation for their accident-related injuries. Therefore, if you or a loved one is injured in an accident, talking to an attorney may help you determine if you should pursue a claim.