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Is Colorado a no-fault state?
I’m moving to Colorado and am trying to read up on their driving and insurance laws to prepare myself for driving. Is it a no-fault state?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
No, Colorado is not a no-fault state for car insurance. They are an “at-fault” or “tort” state, meaning that whoever is at fault for an accident is responsible for covering the cost of the other party’s injuries or property damage resulting from the accident.
On top of that, drivers in Colorado can file a lawsuit for compensation for even basic medical expenses after an accident. In no-fault states, drivers are typically required to carry
personal injury protection (PIP)
to cover the cost of their accident-related medical expenses regardless of who’s at fault, but PIP is not required in Colorado.Because the
car insurance laws in Colorado
don’t require drivers to carry additional coverage beyond liability insurance
, it may be wise to invest in some additional car insurance
options. Need help finding an affordable policy? Let
Jerry
, the licensed broker and insurance expert, give you a hand. Jerry partners with over 55 top insurers to find you the best Colorado insurance costs
in seconds. Just download the app, plug in your details, and browse your customized quotes. Best of all, shopping with Jerry could save you over $800 a year on insurance! View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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