Colorado's damages caps and how they apply to premises claims
Economic damages such as medical bills and lost wages have no cap in Colorado. Non-economic damages, including pain and suffering, are capped at $1.5 million for claims accruing on or after January 1, 2025, under C.R.S. 13-21-102.5, with inflation adjustments beginning in 2028. Importantly, compensation for physical impairment or disfigurement is not subject to that cap at all. In a serious fall that produces a permanent hip fracture, spinal injury, or traumatic brain injury, the uncapped economic damages, including future medical costs and lost earning capacity, often represent the largest portion of the total recovery.
If the property responsible for the injury is owned or operated by a government entity, the Colorado Governmental Immunity Act imposes separate caps: $505,000 per person and $1,421,000 in the aggregate for claims accruing on or after January 1, 2026, under C.R.S. 24-10-114. These claims also require a written notice of claim filed within 182 days of discovering the injury, not from the date of the injury itself, under C.R.S. 24-10-109.
What if you were partly at fault for the fall?
Colorado follows modified comparative fault under C.R.S. 13-21-111. You can recover damages as long as you were less than 50 percent at fault for your own injury, and your award is reduced by your share of responsibility. If you are found 50 percent or more at fault, you recover nothing. Property owners and their insurers routinely argue that injured visitors were not watching where they were going or were wearing improper footwear. An attorney can challenge those arguments with evidence from the scene, witness statements, and proof that the hazard was unreasonably dangerous regardless of the visitor's conduct.