Modified comparative fault and the helmet question
Colorado follows a modified comparative negligence rule under C.R.S. 13-21-111. You can recover as long as your share of fault is less than 50 percent. Your recovery is reduced by your own percentage of fault. If a Montrose County jury finds you 25 percent at fault on a $200,000 claim, you recover $150,000. If you are found 50 percent or more at fault, you recover nothing. Insurance adjusters routinely inflate the cyclist's fault percentage to reach or exceed that 50-percent bar. The Safety Stop law and the 3-foot passing rule are the primary tools we use to push that number back down.
Colorado does not require adults to wear helmets while cycling, and not wearing one is not automatic negligence. An insurer may argue that going without a helmet contributed to a head injury, a theory called failure to mitigate, which can reduce your recovery under the comparative fault rule but does not bar your claim. We work with medical experts to show the scope of your injuries and to demonstrate which injuries would not have been prevented by a helmet. Spinal fractures, broken bones, and internal injuries are not helmet-preventable, and those arguments do not hold up under scrutiny.
Physical impairment and disfigurement compensation is not capped at all under C.R.S. 13-21-102.5(5). In serious bicycle crash cases involving permanent loss of range of motion, scarring, or lasting neurological effects, that uncapped category is often where the most significant value is built. Economic damages such as medical bills, lost wages, and future care costs are never capped. Punitive damages are available when the at-fault driver acted with willful and wanton disregard for others, and generally cannot exceed the amount of actual damages awarded (C.R.S. 13-21-102).