Even if you are partially responsible for the cause of the car crash, you might still receive compensation for your claim. Before you accept what the insurance company tells you as the truth, make sure that you receive advice from a trusted legal advocate for accident victims. Insurance companies try to blame victims even when they are not responsible for the cause of the crash. Do not fall for this insurance tactic. Remember, the insurance company wants to cheat you out of money, if possible. The state of Colorado operates under a “modified comparative negligence” system. This means that even an individual partially responsible for a vehicle accident can still recover compensation. In this state, the 50% rule applies. Any individual who is 50% or more responsible for an accident will be unable to recover compensation for their injuries or other losses. Those less than 50% responsible will be able to recover partial compensation.