How the damage caps work in Westminster premises cases
Economic damages have no cap in Colorado. Non-economic damages, such as pain and suffering, are capped under C.R.S. 13-21-102.5. For claims accruing on or after January 1, 2025, the cap is $1,500,000. Compensation for physical impairment or disfigurement is not capped at all under Colorado law, which is why severe Westminster property injuries, those that leave a victim with a lasting disability or significant scarring, often build the largest part of their value in those uncapped categories.
When the property is owned or operated by a Colorado government entity, the Colorado Governmental Immunity Act adds a separate layer. A written Notice of Claim must be filed with the correct public entity within 182 days of discovering the injury (C.R.S. 24-10-109). Missing that deadline permanently bars the claim. Government entity liability is also capped under C.R.S. 24-10-114 at $505,000 per person and $1,421,000 aggregate for claims accruing on or after January 1, 2026. A Westminster city park, a public transit station, or a government-maintained sidewalk can each trigger these requirements. We identify government involvement on day one and file the notice early when it applies.
Under Colorado's comparative negligence rule (C.R.S. 13-21-111), your recovery is reduced by your share of fault. If you are found 49 percent at fault and your damages are $200,000, you recover $102,000. If you are found 50 percent or more at fault, you recover nothing. Because adjusters frequently inflate fault assignments to reduce Westminster premises claims, we challenge those assignments with the full evidentiary record.