Uber and Lyft Accident Claims in Colorado
The insurance Colorado requires for Uber and Lyft drivers before and during a ride, how fault is shared, and the deadline to sue.
Short answer: Uber/Lyft insurance: while a transportation network company (TNC) driver is logged into the app but not on a prearranged ride, the driver or the TNC must keep primary auto insurance of at least $50,000 per person and $100,000 per accident for injury and $30,000 for property damage. C.R.S. § 40-10.1-604
| Uber and Lyft insurance | Uber/Lyft insurance: while a transportation network company (TNC) driver is logged into the app but not on a prearranged ride, the driver or the TNC must keep primary auto insurance of at least $50,000 per person and $100,000 per accident for injury and $30,000 for property damage. During a prearranged ride, primary liability insurance of at least $1,000,000 per occurrence is required, and since August 10, 2022 the TNC must also secure uninsured motorist coverage for the driver and riders of at least $200,000 per person and $400,000 per occurrence. Read in the Colorado Revised Statutes 2024 (Office of Legislative Legal Services title PDF); laws passed in 2025-2026 are not reflected. Source: C.R.S. § 40-10.1-604 |
|---|---|
| Minimum car insurance | Required liability coverage is at least $25,000 for injury or death of one person, $50,000 for all persons in one accident, and $15,000 for property damage (25/50/15). Source: Colo. Rev. Stat. § 10-4-620 |
| Fault rule (comparative negligence) | Modified comparative negligence (50% bar). An injured person can recover if his or her negligence was not as great as the negligence of the person being sued; damages are reduced by the injured person's percentage of fault. If the injured person's share is equal to or greater than the defendant's, the court enters judgment for the defendant. Each defendant generally pays only its own percentage of fault. |
| Deadline to sue for an injury | Most tort lawsuits, including negligence claims for personal injury, must be filed within two years after the claim accrues. Injury and property-damage claims arising from the use or operation of a motor vehicle have three years. Assault, battery, false imprisonment, libel and slander have one year. |
More Colorado personal injury & wrongful death
- Deadlines to File an Injury Lawsuit in Colorado
- Wrongful Death Lawsuits in Colorado
- Medical Malpractice Rules in Colorado
- Car Accident Claims in Colorado
- Dog Bite Liability in Colorado
- Slip, Trip and Fall Injuries in Colorado
- Sidewalk and Public Property Falls in Colorado
- Motorcycle Accident Claims in Colorado
- Pedestrian Accident Claims in Colorado
- Bicycle Accident Claims in Colorado
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- Construction Site Injuries in Colorado
- All Colorado personal injury & wrongful death rules
FAQ
What insurance must Uber and Lyft drivers have in Colorado?
Uber/Lyft insurance: while a transportation network company (TNC) driver is logged into the app but not on a prearranged ride, the driver or the TNC must keep primary auto insurance of at least $50,000 per person and $100,000 per accident for injury and $30,000 for property damage. During a prearranged ride, primary liability insurance of at least $1,000,000 per occurrence is required, and since August 10, 2022 the TNC must also secure uninsured motorist coverage for the driver and riders of at least $200,000 per person and $400,000 per occurrence.
What is the minimum car insurance required in Colorado?
Required liability coverage is at least $25,000 for injury or death of one person, $50,000 for all persons in one accident, and $15,000 for property damage (25/50/15).
Can you recover damages if you were partly at fault in Colorado?
Modified comparative negligence (50% bar). An injured person can recover if his or her negligence was not as great as the negligence of the person being sued; damages are reduced by the injured person's percentage of fault. If the injured person's share is equal to or greater than the defendant's, the court enters judgment for the defendant. Each defendant generally pays only its own percentage of fault.
What is the statute of limitations for personal injury in Colorado?
Most tort lawsuits, including negligence claims for personal injury, must be filed within two years after the claim accrues. Injury and property-damage claims arising from the use or operation of a motor vehicle have three years. Assault, battery, false imprisonment, libel and slander have one year.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.