How Your Rideshare Case Works
When you are involved in an auto accident involving rideshare there are complicated insurance rules that apply. Companies like Uber and Lyft are hard at work to avoid paying you. We untangle all the intricate rules to make sure that all correct claims are opened with the correct priority in mind.
1. Free Case Review with an Attorney
We figure out exactly what coverage applies: the driver's personal insurance, Uber or Lyft's policy, or both. The answer depends on what the driver was doing at the time of the crash.
3. We fight for the maximum payout
Uber and Lyft have legal teams that are in place to make sure they pay you as little as possible. We prepare your case in every way to make sure that we create legal pressure to make sure they take your claim seriously.
2. We then navigate the insurance maze
Rideshare companies have layered insurance policies designed to be confusing. We know how they work and do everything in our power to make sure that every responsible party is held accountable.
4. Receive your settlement
We recover medical costs, lost income, and other damages. We don't stop unless your offer is fair. No fee unless we win.
LEGAL REFERENCE
Coverage Depends on the Driver's App Status. Under Colorado's Transportation Network Company law (C.R.S. § 40-10.1-604):
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App on, no ride accepted yet: $50,000 per person / $100,000 per accident in liability coverage.
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Actively on a prearranged ride: $1,000,000 in combined liability coverage.
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Colorado also added required uninsured/underinsured motorist coverage of $200,000 per person / $400,000 per accident through House Bill 22-1089.
Know Your Deadline: Colorado's 3-year auto accident filing deadline (C.R.S. § 13-80-101(1)(n)) applies to rideshare crashes.
COLORADO RIDESHARE ACCIDENT FAQs
What changed with Colorado's rideshare insurance law under HB22-1089?
That law added required uninsured and underinsured motorist coverage on top of existing rideshare liability coverage, giving Colorado riders and other accident victims an additional layer of protection when the at-fault party doesn't have enough insurance of their own.
Am I covered if I was hit by an Uber or Lyft driver while I was walking or in my own car?
Yes - Colorado's layered rideshare insurance rules apply no matter whether you were a passenger, another driver, or a pedestrian. We determine exactly what the rideshare driver's app status was at the time of the crash to identify which coverage applies.
Why does the driver's app status matter so much?
Because it determines which insurance tier responds and how much coverage is available. A driver just logged into the app has far less coverage than one actively driving a passenger, which is why pinning down the exact status at the moment of the crash is one of the first things we investigate.