Short Answer
Pain and suffering in Colorado is calculated by evaluating non-economic damages such as physical pain, emotional distress, and loss of enjoyment of life. Insurers and courts commonly use the multiplier or per diem method, while also considering injury severity, medical evidence, statutory damage caps, and comparative negligence rules.
Example
If your economic damages were $40,000 and a multiplier of 3 is applied based on injury severity and long-term impact, pain and suffering may be valued at about $120,000.
If you are partially at fault, your total compensation, including pain and suffering, is reduced by your percentage of fault.
