---
type: "Bill"
title: "Failure-to-cooperate Defense First-party Insurance"
description: "The act bars an insurer from using a failure-to-cooperate defense in an action regarding the insurer's request for information from the insured about a claim unless:"
jurisdiction: "us/states/co"
legislature: "Colorado General Assembly"
session: "2020A"
identifier: "HB 20-1290"
citation: "Colorado HB 20-1290 (2020A)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Alec Garnett", "Stephen Fenberg"]
version_count: 9
action_count: 18
vote_count: 5
first_action: "2020-02-07T07:00:00+00:00"
last_action: "2020-07-02T06:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/540919d4-ca48-447f-9c3a-8d5d3b4d1deb"
source_url: "http://leg.colorado.gov/bills/hb20-1290"
source_hash: "06027cedb8fafd282ec54b12c684698ae64d063d23921f2206824a184560ce35"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-co"]
---

# Colorado HB 20-1290 (2020A) — Failure-to-cooperate Defense First-party Insurance

The act bars an insurer from using a failure-to-cooperate defense in an action regarding the insurer's request for information from the insured about a claim unless:

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Committee Amendment** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/2020a_hb1290_s_sa_001.pdf)
2. **Engrossed (06/01/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_1290_eng.pdf)
3. **Final Act (06/29/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_1290_enr.pdf)
4. **Introduced (02/07/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_1290_01.pdf)
5. **PA1 (03/11/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_1290jud_01.pdf)
6. **Reengrossed (06/05/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_1290_ren.pdf)
7. **Rerevised (06/10/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_1290_rer.pdf)
8. **Revised (06/09/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_1290_rev.pdf)
9. **Signed Act (07/02/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/2020a_1290_signed.pdf)

## Votes

- BILL — **20–15** (pass) · upper
- BILL — **21–13** (pass) · upper
- BILL — **45–19** (pass) · lower
- AMD — **64–0** (pass) · lower
- PERM — **55–9** (pass) · lower

## Sponsors

- Alec Garnett — primary (person)
- Stephen Fenberg — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2020-07-02T06:00:00+00:00** Governor Signed `executive-signature`
- **2020-06-29T06:00:00+00:00** Sent to the Governor `executive-receipt`
- **2020-06-29T06:00:00+00:00** Signed by the President of the Senate
- **2020-06-29T06:00:00+00:00** Signed by the Speaker of the House
- **2020-06-10T06:00:00+00:00** Senate Third Reading Passed - No Amendments `reading-3, passage`
- **2020-06-10T06:00:00+00:00** Senate Third Reading Reconsidered - No Amendments
- **2020-06-10T06:00:00+00:00** Senate Third Reading Passed - No Amendments `reading-3, passage`
- **2020-06-09T06:00:00+00:00** Senate Second Reading Special Order - Passed - No Amendments
- **2020-06-08T06:00:00+00:00** Senate Committee on State, Veterans, & Military Affairs Refer Unamended to Senate Committee of the Whole `committee-passage, referral-committee`
- **2020-06-06T06:00:00+00:00** Introduced In Senate - Assigned to State, Veterans, & Military Affairs `introduction`
- **2020-06-05T06:00:00+00:00** House Third Reading Passed with Amendments - Floor `reading-3, passage`
- **2020-06-02T06:00:00+00:00** House Third Reading Laid Over Daily - No Amendments
- **2020-06-01T06:00:00+00:00** House Second Reading Passed with Amendments - Committee `reading-2`
- **2020-05-28T06:00:00+00:00** House Second Reading Laid Over to 06/01/2020 - No Amendments
- **2020-03-14T06:00:00+00:00** House Second Reading Laid Over to 03/30/2020 - No Amendments
- **2020-03-13T06:00:00+00:00** House Second Reading Laid Over Daily - No Amendments
- **2020-03-10T06:00:00+00:00** House Committee on Judiciary Refer Amended to House Committee of the Whole `committee-passage, referral-committee`
- **2020-02-07T07:00:00+00:00** Introduced In House - Assigned to Judiciary `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/540919d4-ca48-447f-9c3a-8d5d3b4d1deb`. Confidence: reported (aggregated from official Colorado legislature records).