Pain and Suffering Damages in Colorado
Pain and suffering is one of the largest components of any personal injury settlement in Colorado. Under modified comparative fault (51% bar), understanding how these non-economic damages are calculated — and any caps that apply — is essential before accepting any offer.
For informational purposes only. Not legal advice. Consult a licensed attorney.
Modified comparative fault (51% bar)
Fault System
$15,000 – $65,000
Avg Settlement
2 years
Statute of Limitations
How P&S Damages Are Calculated in Colorado
Courts and insurance adjusters in Colorado typically use one of two methods to calculate pain and suffering: the multiplier method (multiply your economic damages by 1.5–5× depending on severity) or the per diem method (assign a daily dollar value for each day you suffered).
Because Colorado uses Modified comparative fault (51% bar), you can recover pain and suffering only if your fault is below 50% (or 51%), and the award is reduced by your percentage of fault.
Factors That Increase P&S Value
Severity & Duration
Permanent injuries, chronic pain, and long recovery periods command higher multipliers.
Impact on Daily Life
Inability to work, loss of hobbies, relationship strain, and depression all support higher awards.
Medical Documentation
Regular doctor visits, therapy records, and specialist notes substantiate your suffering.
Pre-existing Conditions
Colorado courts apply the "eggshell plaintiff" rule — defendants take you as they find you.
Colorado Law Overview
Colorado uses modified comparative fault with a 51% bar, so an injured party who bears majority fault cannot recover. The state mandates PIP coverage in auto policies, providing some no-fault medical benefits even in a primarily tort-based system. The statute of limitations is 2 years for personal injury. Colorado courts see significant litigation from skiing and outdoor recreation accidents under the Colorado Ski Safety Act, which limits ski resort liability in some circumstances. Premises liability claims against landowners are governed by C.R.S. § 13-21-115, which distinguishes between trespasser, licensee, and invitee standards. Colorado caps noneconomic damages in personal injury cases at $250,000 (adjustable for inflation), with a higher cap of $500,000 available upon clear and convincing evidence of extraordinary circumstances. Sovereign immunity protections apply to government entity claims, requiring strict compliance with the Colorado Governmental Immunity Act.