After a serious car accident, you will want to know whether Colorado is an at-fault or no-fault state. You probably also want to know what the difference is between those two labels.
Colorado is an At-Fault State
As an at-fault state, that means after an accident you can file a claim with the other driver's insurance company.
In an at-fault state like Colorado, the law allows you to file a claim with the at-fault party's insurance provider, no matter what injuries you've sustained.
No-Fault States (Not Colorado)
In a no-fault state, generally the state law requires accident victims to file a claim only through their own insurance company. The name "no-fault" stems from the idea that the fault in an accident does not matter with regard to getting compensated for your injuries, which is why injured parties in no-fault states generally must file their claim through their own insurance company.
In certain cases, usually those involving serious injury or death, an accident victim can file a claim against the at-fault party.
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