Accidents are a broad category of incidents that may result in personal injuries or property damage. Personal injury refers to an injury to a person’s body—also known as bodily injury—or to their mind or emotional well-being—also referred to as emotional distress or pain and suffering. Property damage refers to damage to any kind of real property (real estate) or personal property (all property that is not real estate).

Accidents usually refer to incidents caused by someone else’s negligence rather than by their intentional act. Claims for personal injuries or property damage resulting from an accident or negligent act of another person or entity may create legal liability if the person injured in the accident can prove another person or entity breached their duty of ordinary care in the activity that led to the accident (driving a motor vehicle, for example) and that negligence or breach of the duty of ordinary care caused personal injuries or property damage to the claimant.

Legal claims for personal injuries and property damage resulting from accidents are primarily a matter of state law and may be located (1) in the state’s court opinions—also known as cases, case law, or common law—such as for the elements of a negligence claim; or (2) in the state’s statutes when the state legislature has defined a certain type of claim or recovery for personal injury or property damages caused by a certain type of negligent act or negligent person or entity—such as an accident caused by the negligence of a governmental official or entity.

In Colorado, accidents that result in personal injuries or property damage due to someone else's negligence can lead to legal liability. To establish a claim, the injured party must demonstrate that the at-fault party breached their duty of ordinary care, such as safe driving, and that this breach directly caused the injuries or property damage. Colorado's legal framework for such claims is based on both case law and state statutes. Case law, or common law, provides precedents for the elements of a negligence claim, while state statutes may outline specific claims or remedies for injuries or damages caused by certain types of negligent acts, including those involving government officials or entities. It's important to note that Colorado follows a modified comparative negligence rule, which means that a claimant's recovery can be reduced if they are found to be partially at fault for the accident, and if they are found to be 50% or more at fault, they cannot recover any damages.