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Written by Remington Fang
Rideshare accidents bring a different kind of complexity. I was a passenger in an Uber accident and didn’t know what to do next. Who’s liable? Does Uber’s insurance apply? Can you even file a claim? These are just a few of the questions we hear far too often from people who suddenly find themselves injured, confused, and facing a complicated insurance process. It’s easy to feel powerless when you’re not the driver, but you still have rights. At Fang Accident Lawyers, we help passengers navigate the legal aftermath clearly and confidently.
Being a passenger in a rideshare collision puts you in a unique situation. You’re not responsible for the crash, but are affected by it. What you do in the moments and days following the accident can make or break your personal injury claim.
Here’s what we advise our clients to do:
As the injured passenger, your main job is documenting everything and getting to safety. From there, we help build your case and handle the insurance negotiations.
Yes, Uber can be held financially responsible depending on the driver’s status during the accident. That’s because rideshare companies like Uber carry liability coverage—but only in certain circumstances.
The three main coverage periods are:
Understanding which period the driver was in during the crash is key. Uber’s commercial policy applies if you were already inside the vehicle and en route.
In multi-vehicle accidents, liability may be split between several drivers. Colorado follows a modified comparative negligence rule, meaning each party’s share of fault could impact the compensation available. Collecting detailed evidence and witness information from the scene is essential.
Being the passenger adds a layer of complexity to car accident claims. You weren’t at fault, but you must still deal with insurance companies, liability disputes, and sometimes multiple parties pointing fingers.
Here’s what you need to consider:
It’s common for passengers to hesitate to file a claim, especially when they know the driver. But this isn’t about punishment; it’s about ensuring your recovery is covered. Medical bills, lost wages, and rehab costs can add up quickly.
Timelines vary, but most Uber-related injury claims take several months to over a year to resolve fully. The duration depends on factors like the severity of your injuries, whether liability is contested, and how cooperative the insurance companies are. Cases involving multiple parties, like the Uber driver and another vehicle, can take longer due to overlapping investigations. Legal representation helps prevent unnecessary delays by keeping insurers accountable and pushing the case forward efficiently.
Uber drivers must carry personal auto insurance, and Uber supplements that coverage while working. However, that doesn’t mean the claims process is straightforward.
Uber requires its drivers to maintain personal auto coverage that meets state minimum requirements. In Denver and across Colorado, that includes:
Uber provides additional commercial coverage when a driver is logged into the Uber app and on duty. However, that coverage is only active during specific ride phases. If there’s a lapse or the driver didn’t disclose their rideshare work to their insurance provider, the claim can get delayed or denied.
This is where legal representation is crucial. We regularly deal with cases where:
Colorado law mandates that transportation network companies maintain specific insurance coverages, including primary liability and uninsured motorist protection, as detailed in Colorado Revised Statutes § 40-10.1-604.
Suffering injuries as a passenger in an Uber accident raises a wave of questions and uncertainty. Understanding your legal options and potential for compensation requires more than just online research—it demands experienced legal guidance. Fang Accident Lawyers has secured significant recoveries for victims of rideshare and auto accidents throughout Colorado. Let’s review your case and work toward the justice and compensation you deserve. Reach out today to schedule your free consultation by calling (720) 379-6363.
A Colorado Springs native with a lifelong passion for standing up to bullies, Remington fights for the injured against corporations that put profit over people. Raised in a family devoted to service and healing, he brings compassion and grit to every case.
A graduate of the University of Northern Colorado and the University of Arkansas School of Law, Remington has recovered millions for clients with Fang Accident Lawyers. He believes no injury should silence the human spirit — and he won’t stop fighting until justice is served.
You should collect the Uber driver’s information (name, contact, license plate, insurance), contact info from other drivers and witnesses, and document the accident through photos, videos, and a police report.
Reporting the accident to Uber and filing a claim ensures the incident is officially recorded and initiates the insurance process, which may provide compensation through Uber’s rideshare insurance, the driver’s insurance, or your own.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. It was approved by Remington W. Fang, our Founding Partner, who brings over 10 years of experience as a personal injury attorney.
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