CO

Colorado Insurance Regulations

Consumer rights and insurance laws in Colorado

Overview

Colorado's Division of Insurance regulates the insurance industry and assists consumers with complaints. The state uses a modified comparative fault system where recovery is barred if the claimant is 50% or more at fault.

Key Insurance Regulations in Colorado

  • Modified comparative fault — barred at 50% or more fault
  • 3-year statute of limitations for personal injury and property damage
  • Mandatory auto insurance: 25/50/15 minimum liability

Filing an Insurance Complaint in Colorado

If you believe your insurance company has acted unfairly or violated Colorado insurance laws, you can file a complaint with the Colorado Division of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Colorado Division of Insurance typically responds to complaints within 30 days.

Colorado Division of Insurance

Insurance Commissioner: Michael Conway

Phone: (303) 894-7499

Website: https://doi.colorado.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Colorado

Yes. Colorado courts measure damage to a car as the difference in its market value immediately before and after the crash, so you can generally claim diminished value from the at-fault driver's insurer. You have three years to sue for property damage arising out of the use or operation of a motor vehicle (C.R.S. § 13-80-101(1)(n)), and under Colorado's modified comparative negligence rule you recover only if your fault was less than the other driver's.

Read the Colorado diminished value guide

Insurance Claim Guides for Colorado

Browse our detailed insurance claim guides tailored specifically to Colorado laws and regulations.

Auto Insurance Claims in ColoradoHome Insurance Claims in ColoradoHealth Insurance Appeals in ColoradoInsurance Denial Letter Templates in ColoradoDemand Letter Guide in ColoradoInsurance Settlement Calculator Guide in ColoradoDiminished Value Claims in ColoradoTotal Loss Dispute Guide in ColoradoBad Faith Insurance Claims in ColoradoUnderinsured Motorist Claims in ColoradoUninsured Motorist Claims in ColoradoRental Car Insurance Coverage in ColoradoGAP Insurance Claims in ColoradoInsurance Subrogation Explained in ColoradoPIP (Personal Injury Protection) Guide in ColoradoBodily Injury Claims in ColoradoProperty Damage Claims in ColoradoLiability Claim Process in ColoradoComprehensive Insurance Claims in ColoradoCollision Insurance Claims in ColoradoFlood Insurance Claims in ColoradoFire Insurance Claims in ColoradoTheft Insurance Claims in ColoradoVandalism Insurance Claims in ColoradoAuto Glass Insurance Claims in ColoradoHail Damage Insurance Claims in ColoradoWind Damage Insurance Claims in ColoradoWater Damage Insurance Claims in ColoradoMold Insurance Claims in ColoradoRoof Damage Insurance Claims in ColoradoFoundation Damage Claims in ColoradoSinkhole Insurance Claims in ColoradoEarthquake Insurance Guide in ColoradoHurricane Insurance Claims in ColoradoTornado Damage Insurance Claims in ColoradoLightning Damage Insurance Claims in ColoradoTree Damage Insurance Claims in ColoradoFence Damage Insurance Claims in ColoradoAppliance Breakdown Claims in ColoradoIdentity Theft Insurance Claims in ColoradoCyber Insurance Claims in ColoradoPet Insurance Claims in ColoradoTravel Insurance Claims in ColoradoLife Insurance Disputes in ColoradoDisability Insurance Claims in ColoradoWorkers' Compensation Claims in ColoradoLong-Term Care Insurance Claims in ColoradoDental Insurance Appeals in ColoradoVision Insurance Claims in ColoradoPrescription Drug Appeals in ColoradoAccident Scene Documentation in ColoradoInsurance Adjuster Tactics in ColoradoDiminished Value Calculator Guide in ColoradoTotal Loss Vehicle Valuation in ColoradoCCC Valuation Report Explained in ColoradoPain and Suffering Calculation in ColoradoMedical Bills in Auto Claims in ColoradoLost Wages Insurance Claims in ColoradoFiling a Bad Faith Insurance Lawsuit in ColoradoWhen to Hire a Car Accident Lawyer in ColoradoInsurance Claim Timeline Guide in ColoradoIndependent Vehicle Appraisal Guide in ColoradoAppraisal Clause in Auto Insurance in ColoradoDiminished Value by State in ColoradoTotal Loss Threshold by State in ColoradoRental Car After an Accident in ColoradoYour Rights During Car Repairs in ColoradoOEM Parts in Insurance Claims in ColoradoInsurance Negotiation Tactics in ColoradoDemand Package for Auto Claims in ColoradoCommon Insurance Claim Denial Reasons in ColoradoStatute of Limitations for Auto Claims in ColoradoFiling Claims in No-Fault States in ColoradoAt-Fault Accident Claims in ColoradoComparative Negligence in Claims in ColoradoUninsured Motorist Property Damage in ColoradoHit and Run Insurance Claims in ColoradoParking Lot Accident Claims in ColoradoRideshare Accident Insurance Claims in ColoradoCommercial Vehicle Accident Claims in ColoradoDeer Collision Insurance Claims in ColoradoFlood Car Damage Claims in ColoradoCatalytic Converter Theft Claims in ColoradoCar Break-In Insurance Claims in ColoradoTire Blowout Accident Claims in ColoradoPothole Damage Insurance Claims in ColoradoHail Damage Car Claims in ColoradoHow to Review Your Auto Insurance Policy in ColoradoAuto Insurance Coverage Gaps in ColoradoMulti-Vehicle Accident Claims in ColoradoDisputing Fault Determination in ColoradoFiling an Insurance Commissioner Complaint in ColoradoNegotiating Diminished Value Claims in ColoradoFighting a Total Loss Declaration in ColoradoBodily Injury Settlement Guide in ColoradoInsurance Fraud Prevention Guide in ColoradoSubstandard Auto Repair Claims in ColoradoTotal Loss Buy-Back Process in ColoradoInsurance Claims After a DUI in ColoradoCommercial Auto Insurance Claims in ColoradoStorage Unit Insurance Claims in Colorado

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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