Colorado caps non-economic damages under C.R.S. 13-21-102.5, which House Bill 24-1472 amended with effect from 1 January 2025 to set the figure at $1.5 million. The statute adjusts that figure for inflation from 1 January 2028 and every two years after.
Two routes reach the raised cap and they do different jobs. A civil action filed during calendar 2025 qualified whenever the crash happened, and separately any claim accruing on or after 1 January 2025 qualifies, which is the route that covers a crash today.
Compensation for physical impairment or disfigurement sits outside that cap, economic damages are not limited by it either, and wrongful death claims are governed by a different section. Exemplary damages may be available under C.R.S. 13-21-102 where the conduct involved fraud, malice, or willful and wanton disregard.
A claim against a public entity works differently. The Governmental Immunity Act caps the total recoverable amount, economic and non-economic together. For claims accruing on or after 1 January 2026 the Secretary of State has certified $505,000 for one person and $1,421,000 for two or more in a single occurrence, with no individual exceeding $505,000.
Which figure governs a particular Broomfield crash turns on the accrual date, the parties and the theory pleaded, so it is worth confirming with an attorney rather than assumed. How car accident settlements are calculated in Colorado walks through how the categories add up.