Does Colorado have PIP insurance?

No—Colorado does not require Personal Injury Protection (PIP) insurance like no-fault states do. Colorado is an at-fault state, meaning the driver who caused the accident (through their liability insurance) is responsible for paying damages. However, Colorado drivers can purchase optional MedPay coverage, which functions similarly to PIP by covering medical expenses regardless of fault up to policy limits. MedPay is not required but is recommended. At Kane Trial Law, we advise clients to carry adequate MedPay coverage to ensure they have resources for medical treatment after an accident.