Disclaimer: Each case is unique and previous results are not a guarantee of future results. Clients may be responsible for costs.
• Fee comparisons must be factually substantiated (25% vs. 33-40% industry standard)
Get a free consultation
Call us (970) 471-7170
An Uber ride that ends in a collision leaves passengers, drivers, and bystanders facing medical bills, missed work, and a tangle of insurance questions that standard car accident claims do not prepare anyone for. Cannon Law represents injured people throughout Northern Colorado, and a Loveland Uber accident lawyer from our firm understands exactly how rideshare cases differ from ordinary crashes. The financial stakes are real, the deadlines are firm, and the insurance systems involved are more layered than most people expect. Getting the right legal guidance early protects your claim before the adjusters begin shaping the narrative.
Contact a Personal Injury Lawyer in Loveland
A standard two-car collision involves two drivers and their respective insurers. An Uber crash rarely works that simply. The moment a rideshare driver logs into the app, a separate layer of corporate insurance becomes relevant alongside whatever personal coverage the driver carries, and whether that corporate coverage applies depends on the driver’s exact status at the moment of impact.
Was the driver waiting for a request, en route to a pickup, or already transporting a passenger? Each scenario triggers a different level of coverage. Uber may dispute whether its policy applies at all, and the driver’s personal insurer may argue the commercial nature of the trip excludes the claim. Injured people can find themselves caught between two carriers, neither willing to accept primary responsibility.
Liability in a rideshare crash can extend well beyond the driver behind the wheel. Identifying every responsible party is one of the most important steps in building a complete claim.
The Uber driver carries personal responsibility when negligent behavior caused or contributed to the crash. Distracted driving, speeding, and failure to follow traffic laws all support a negligence claim directly against the driver, and the driver’s personal auto policy may serve as the first layer of available coverage.
Uber itself may share responsibility depending on the circumstances. While Uber classifies its drivers as independent contractors, the company’s insurance obligations under Colorado law are substantial when a driver is actively engaged in a prearranged ride, and those obligations do not disappear because of that classification.
Third-party drivers are another source of liability. When another motorist caused the accident, the claim runs against that driver’s insurer. If that driver was uninsured or underinsured, Colorado’s rideshare insurance requirements provide a separate avenue for recovery.
The steps taken in the hours immediately following a crash have a direct effect on claim strength:
According to Uber’s guidance on accidents, anyone involved in a platform crash should confirm everyone is OK, contact police and paramedics if there are injuries or damage, and save the police report number.
Loveland sits at a convergence of commuter traffic, tourism routes, and fast-growing residential areas. U.S. Highway 34, Eisenhower Boulevard, and the corridors connecting downtown Loveland to Interstate 25 all generate conditions where Uber crashes occur with some regularity. Several behaviors and conditions contribute most often:
Rideshare crashes produce the same injury profile seen in other motor vehicle collisions, with outcomes that range from temporary to permanently disabling. Injury severity depends on vehicle speed, angle of impact, and whether occupants were properly restrained. Conditions frequently seen in these claims include:
Long-term recovery costs, including physical therapy, neurological care, and reduced earning capacity, must be fully accounted for in any claim.
Colorado law allows injured people to pursue compensation for both economic and non-economic losses.
Economic damages cover measurable financial losses: emergency care, hospitalization, surgery, ongoing treatment, and projected future medical expenses. Lost income during recovery and reduced earning capacity from permanent injuries are also recoverable.
Non-economic damages address harms that do not appear on a bill, including pain and suffering, emotional distress, and permanent impairment.
Colorado’s modified comparative negligence standard, codified at Colorado Revised Statutes section 13-21-111, allows recovery as long as your share of fault is less than that of the party you are claiming against, though damages reduce proportionally to your assigned percentage.
No Fees Unless We Win
Get In Touch With Us
(970) 471-7170
Colorado imposes specific insurance obligations on transportation network companies under state law, and coverage shifts based on what the driver was doing at the time of the crash:
Determining which phase applies is one of the first factual questions our firm investigates, because the answer shapes the entire insurance strategy.
Rideshare injury claims require a coordinated approach that standard personal injury work does not always demand. Our team builds each case from the ground up, beginning with a thorough review of all available evidence.
We obtain Uber trip data and driver history records early, preserve any available surveillance or dashcam footage, and coordinate with accident reconstruction specialists when the physical evidence warrants it. On the insurance side, we identify every applicable policy, confirm the coverage phase, and engage adjusters from a position of preparation. We do not accept early settlement offers before the full scope of medical treatment and long-term impact is understood.
Our firm handles every case on a contingency basis. Attorney fees are collected only when compensation is recovered, which means cost is never a barrier to getting legal help after a serious crash.
Rideshare crash claims involve deadlines, competing insurers, and legal standards that reward early action. Cannon Law represents injured people throughout Northern Colorado, and a Loveland Uber accident lawyer from our firm is ready to evaluate your case. In addition to Loveland, we serve clients in Fort Collins, Greeley, and Longmont. Call us at (970) 471-7170 to schedule your free consultation.
Sam Cannon is a dedicated personal injury attorney representing individuals against large corporations and insurance companies. As the founder of Cannon Law, he has built his practice around advocating for injured individuals in complex cases, including traumatic brain injuries, carbon monoxide poisoning claims, and insurance bad faith disputes. Years of Experience: 10+ years
Sam Cannon
Colorado Registration Status: Active and authorized to practice law
Get in touch: Justia ; Yelp
Yes. Passengers injured in Uber crashes have the right to pursue compensation from the at-fault driver, Uber’s corporate insurance, or both. Passengers are generally not assigned fault, which strengthens their position to recover damages for medical costs, lost income, and pain and suffering.
Yes, under certain conditions. Coverage depends on the driver’s status at the time of the crash. When a driver is actively completing a prearranged ride, Uber’s policy provides substantial protection under Colorado law, and the statutory minimums are significant.
Multiple sources may apply. Uber’s insurance, the at-fault driver’s personal policy, your own MedPay coverage, and health insurance can all contribute. Coordinating these sources correctly is one of the strongest practical reasons to involve an attorney early.
You may still have a claim. If a third-party driver caused the crash, your claim runs against that driver’s insurer. Colorado’s TNC insurance requirements also provide added protection for riders when the at-fault driver is uninsured or underinsured.
It depends on the facts. Uber classifies drivers as independent contractors, which limits direct employer liability in most cases. However, Uber’s insurance obligations under Colorado law are substantial during an active ride, and an attorney can evaluate whether direct claims are appropriate given your specific circumstances.
Generally three years. Colorado’s statute of limitations for motor vehicle injury claims allows three years from the date of the crash. Earlier action preserves evidence and strengthens negotiating leverage with insurers.
Colorado law accounts for this. Under the state’s TNC insurance requirements, transportation network companies must maintain uninsured motorist coverage of at least $200,000 per person and $400,000 per occurrence during prearranged rides, providing a meaningful safety net for injured riders.
No. Insurance adjusters represent the insurer’s financial interests, not yours. Recorded statements made without legal guidance can be used to reduce or deny a claim. Speaking with a Loveland Uber accident lawyer before any recorded communication protects your right to fair recovery.
If you or a loved one has been seriously injured, please fill out the form below for your free consultation or call us at (970) 471-7170
or call us at
This page has been written, edited, and reviewed by our team of legal writers following strict editorial guidelines.
If you or a loved one has been seriously injured, please fill out the form below for your free consultation or call us at (970) 471-7170.
320 Maple St., #115 Fort Collins, CO 80521
Fax: (970) 360-2684
Call us (970) 471-7170
Message Us 
Call Us