No. Colorado used to be a no-fault state but dropped that system in 2003. Today Colorado is an at-fault, tort-based state, meaning the driver who caused the crash, and their insurance, is financially responsible for the damage. You can pursue a claim directly against the at-fault driver’s insurer rather than being limited to your own no-fault coverage.
What’s left over from the old system
One holdover is MedPay, optional medical payments coverage that still pays your bills regardless of fault, similar to how no-fault PIP coverage used to work. It’s just no longer mandatory and no longer the primary way injury claims get resolved.
What to do next
If this is where you are right now, call Mile High Legal at (720) 853-5779 for a free consultation. We handle Colorado car accident and injury claims on contingency, meaning you pay nothing upfront and nothing at all unless we recover money for you.
