This is the first question most injured passengers ask, and it is the right one. Rideshare accidents are more legally complicated than a standard two-car collision because multiple parties may share responsibility. The rideshare company, the driver, another vehicle’s driver, or some combination of all three can be involved.
Uber and Lyft both classify their drivers as independent contractors, not employees. That distinction matters because it limits the companies’ direct liability in many situations. But it does not eliminate it.
How Rideshare Insurance Coverage Works in Colorado
Colorado law requires rideshare companies to carry insurance that varies depending on what the driver was doing at the time of the crash. There are three general phases:
- App off: The driver’s personal auto insurance applies. Uber and Lyft have no involvement.
- App on, waiting for a ride request: Colorado requires rideshare companies to carry at least $50,000 per person and $100,000 per accident in liability coverage, plus $25,000 for property damage.
- En route or passenger in the vehicle: Coverage increases to $1 million in liability through the rideshare company’s policy.
Colorado’s rideshare insurance requirements are codified under C.R.S. § 40-10.1-605. The phase the driver was in when the crash happened will directly shape how your claim is handled and which insurance policies are available to you.
Can You Actually Sue Uber or Lyft?
You can file a claim against their insurance, and in some cases, you can sue the company directly. It depends on the circumstances.
If the driver was actively transporting a passenger or en route to pick one up, Uber and Lyft’s $1 million liability policy typically applies. If the crash involved a negligent hiring decision or another factor tied to the company’s own conduct, a direct lawsuit may be appropriate.
These cases move fast on the insurance side. Adjusters for large rideshare companies are experienced at minimizing payouts. Getting representation early protects your claim before statements are given or evidence disappears. A Colorado Springs rideshare accident lawyer can evaluate which policies apply, identify all responsible parties, and handle communication with insurers on your behalf.
What If Another Driver Caused the Accident?
Rideshare accidents are not always the rideshare driver’s fault. If a third-party driver ran a red light, rear-ended your vehicle, or caused a multi-vehicle collision, that driver’s insurance becomes the primary source of recovery. Depending on your injuries and the limits of their policy, you may also be able to access underinsured motorist coverage.
The same process applies regardless. Document everything, seek medical care immediately, and avoid giving recorded statements to any insurance company before speaking with an attorney.
What to Do After a Rideshare Crash in Colorado
- Call 911 and remain at the scene
- Screenshot the rideshare app showing your trip details, driver name, and vehicle information
- Photograph vehicle damage, your injuries, and the surrounding area
- Collect contact information from any witnesses
- Seek medical attention the same day, even if you feel fine
Soft tissue injuries and concussions are frequently missed at the scene and worsen over time. Early documentation strengthens your case considerably. Ganderton Law Personal Injury Law Firm has handled rideshare claims throughout Colorado and understands how these layered insurance structures work in practice.
If you were injured as a passenger, pedestrian, or another driver involved in a rideshare collision, speaking with a Colorado Springs rideshare accident lawyer as soon as possible gives you the best opportunity to recover fair compensation. Evidence fades quickly, insurance companies move fast, and your window to act under Colorado’s three-year statute of limitations begins on the date of the crash. Reach out to our team today to discuss your options.