Legal auto insurance coverage is: $25,000 per injured victim $15,000 minimum in property damage $50,000 per accident, no matter how many victims have been affected Since Colorado is a "fault" state, this means you can file a claim against the defendant driver's insurance carrier. However, if the at-fault driver is uninsured or underinsured, there are steps you can take to get around that.

Yes. However, you may not win the maximum possible settlement amount. Under Colorado's fault principles, your damages will be decreased in proportion to your fault. So, if you were 30% at fault, then your damages would be reduced by that amount in the claims. Keep in mind that the court determines fault.

In most cases, you have around three years from the date of the accident to file a lawsuit. The deadline can be prolonged if you discovered the injury later. If you are planning to sue a government establishment, you may be required to file a claim within a few months after the accident.