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Colorado Uber & Lyft Accident Lawyer

Uber reported 127 fatal crashes and 153 deaths across roughly 1.8 billion U.S. trips over a recent two-year period — these cases involve layered insurance coverage most people don’t expect (Uber U.S. Safety Report)

Colorado rideshare Uber Lyft accident attorney

Mile High Legal Resource Center
By Grant Grosgebauer, Mile High Legal · Last reviewed October 2026

Whether you were a rideshare passenger, the driver of another vehicle, a pedestrian, or a cyclist hit by an Uber or Lyft driver, these cases involve a layer of complexity ordinary car accident claims do not: rideshare companies carry different insurance coverage depending on whether the app was off, on but waiting for a ride, or actively transporting a passenger.

As a rideshare accident law firm, Mile High Legal sorts through which policy applies to your situation — the driver’s personal insurance, or Uber/Lyft’s commercial coverage — and fights to make sure you are not shortchanged because of app-status technicalities.

How Rideshare Insurance Periods Work

  • App off — only the driver’s personal auto policy applies, the same as any other driver.
  • App on, waiting for a ride request — limited, contingent liability coverage through the rideshare company applies.
  • En route to pick up or during a trip — significant commercial liability coverage from Uber or Lyft typically applies.

What Compensation Can Cover

  • Medical expenses, past and future
  • Lost wages and diminished earning capacity
  • Pain and suffering
  • Property damage

What To Do After a Rideshare Accident in Colorado

  • Screenshot the ride details in the app (driver name, trip status, timestamp) before the record disappears.
  • Get medical attention and document all injuries.
  • Report the accident to the rideshare company through the app in addition to any police report.
  • Contact a rideshare accident attorney before accepting any settlement from the driver’s insurer or the rideshare company.

Why Choose Mile High Legal

Figuring out which of several possible insurance policies actually applies is often the single most important factor in a rideshare case. We sort through the driver’s app status, personal policy, and the rideshare company’s commercial coverage so you are not shortchanged by a technicality.

What to do next

If you were hurt in a crash involving an Uber or Lyft in Colorado, call Mile High Legal at (720) 853-5779 to sort out which coverage applies to your case — free consultation.

Call (720) 853-5779

Quick Answers

What insurance applies if I was a passenger in an Uber or Lyft?

While a ride is active, Uber and Lyft both provide significant commercial liability coverage, typically far higher than a standard personal auto policy, that can apply to injured passengers, other drivers, pedestrians, or cyclists hurt in the crash [ATTORNEY TO VERIFY — confirm current coverage tiers].

What if the rideshare driver’s app was on but they hadn’t accepted a ride yet?

This is often called the “period 1” gap, and it typically carries lower, contingent liability coverage through the rideshare company that applies only if the driver’s personal insurer denies the claim.

Who is liable if I was hit by an Uber or Lyft driver while driving, walking, or biking?

Liability generally follows ordinary negligence rules, but the rideshare company’s commercial insurance may be the source of recovery instead of, or in addition to, the driver’s personal policy, depending on app status at the time of the crash.

Can I sue Uber or Lyft directly?

Rideshare companies classify drivers as independent contractors and generally argue they are not directly liable for a driver’s negligence. Whether a direct claim against the company is viable depends heavily on the specific facts [ATTORNEY TO VERIFY].

What if my Uber or Lyft driver did not have rideshare insurance?

Many personal auto policies exclude commercial ridesharing activity. If a driver lacked proper coverage, Uber or Lyft’s own contingent or commercial policy may still apply depending on the driver’s app status at the time of the crash [ATTORNEY TO VERIFY].

Does it matter which rideshare company was involved?

Uber and Lyft maintain similar, but not identical, insurance structures and policy limits. The specific company and the driver’s app status both affect which coverage tier applies to a given claim.