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Colorado Insurance Laws and Regulations

The Colorado Division of Insurance develops and enforces the insurance laws. The Division of Insurance also publishes compiled complaint data for auto, home, health, annuity, life and HMO insurance. Consumers can access the compiled complaint data through the Division of Insurance website. Consumers can also contact the department with questions and complaints about their auto and home insurance. Consumers not receiving the service they expect from their insurer can file a complaint about an insurer directly with the Division of Insurance.

Important Laws

A summary of the driving safety laws for the state of Colorado can be found by clicking this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Colorado.

The Colorado Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Colorado has minimum auto insurance amounts that are required by law. The table below shows the CO minimum car insurance limits.

Resources Available to Consumers

The Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.