Uber & Lyft Accident Insurance Policies in Colorado: A Complete Coverage Guide
Rideshare insurance coverage, also known as Transportation Network Company (TNC) insurance, operates through a four-period system that determines which insurance policy applies during an Uber or Lyft accident in Colorado. Under Colorado Revised Statutes § 40-10.1-601, coverage shifts between your personal auto policy, contingent TNC coverage, and the rideshare company’s $1 million commercial policy—depending on whether the driver’s app was off, waiting for a ride request, en route to pick up, or actively transporting a passenger.
This guide breaks down the complex insurance landscape that rideshare drivers, passengers, and third-party motorists face when navigating accident claims in Colorado. Understanding which policy applies at the moment of collision can mean the difference between full compensation and a denied claim.
The Four Periods of Rideshare Insurance Coverage (And Who Pays When)
The most confusing aspect of rideshare accidents is understanding which insurance policy is “primary” at the time of the crash. Unlike traditional auto accidents where one driver’s insurance typically covers damages, rideshare incidents involve multiple overlapping policies that activate based on the driver’s status in the app.
Period 0: App Off (Your Personal Auto Policy Applies)
When the rideshare app is completely turned off, the driver is operating as a private citizen. Their personal auto insurance is the primary coverage. However, most personal policies contain a “business use exclusion” that can create coverage disputes if the insurance company discovers the vehicle is used for rideshare purposes—even when the app wasn’t active during the accident.
Many drivers mistakenly believe their “full coverage” personal policy will protect them regardless of app status. In reality, insurers like State Farm, GEICO, and Progressive have become aggressive about investigating whether vehicles are used for commercial purposes and denying claims based on undisclosed rideshare activity.
Period 1: App On, Waiting for Ride Request (The “Danger Zone”)
This is the most dangerous coverage gap in the rideshare insurance system. When a driver has the app turned on but hasn’t yet accepted a ride request, Uber and Lyft provide only contingent liability coverage with the following limits:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 per accident for property damage
Critically, this contingent coverage only applies after the driver’s personal insurance has denied the claim. This creates a procedural nightmare where injured parties must first pursue the driver’s personal carrier, obtain a formal denial letter, and then pursue the TNC’s contingent policy—a process that can take months.
Additionally, most TNC policies provide no collision or comprehensive coverage during Period 1, meaning drivers involved in at-fault accidents may receive nothing for their own vehicle damage.
Period 2: En Route to Pick Up Passenger (Full $1 Million Policy Activates)
Once a driver accepts a ride request and is traveling to the pickup location, Uber’s James River Insurance policy or Lyft’s Mobilitas/Liberty Mutual policy becomes primary. These policies provide:
- $1,000,000 per accident for third-party liability
- Uninsured/Underinsured Motorist coverage (minimum $200,000/$400,000 in Colorado per HB22-1089)
- Contingent comprehensive and collision coverage (subject to deductibles, typically $1,000-$2,500)
This is the coverage level most people assume applies throughout the entire rideshare experience, but it only activates after the driver taps “Accept” on a ride request.
Period 3: Passenger in Vehicle (Full $1 Million Policy Remains Active)
From the moment the passenger enters the vehicle until they exit at their destination, the full $1 million commercial policy remains in effect. This is generally the most straightforward coverage scenario, as there’s no dispute about which policy applies. Passengers injured during this period have clear recourse against the TNC’s commercial carrier.
However, even in Period 3, complications arise when multiple parties are injured and the $1 million limit must be divided among claimants, or when the rideshare driver wasn’t at fault and the claim must be pursued against a third-party driver’s insurance.
Understanding Colorado’s TNC Insurance Requirements (C.R.S. § 40-10.1-601)
Colorado was one of the first states to establish comprehensive insurance requirements for Transportation Network Companies. Under C.R.S. § 40-10.1-601, enacted in 2014 and subsequently amended, TNCs operating in Colorado must maintain specific insurance coverage levels and provide proof of coverage to the Colorado Public Utilities Commission (PUC).
The statute requires TNCs to disclose to drivers, in clear language, that their personal auto insurance may not cover them while using the app. This disclosure requirement exists because the insurance industry lobbied heavily for “business use exclusions” that void personal policies during commercial activity.
Colorado law also mandates that TNC insurance policies must:
- Recognize that the driver is logged into the app and available to receive requests
- Provide primary coverage when the driver is en route or transporting passengers
- Cover the period when the driver is available but has not yet accepted a ride (Period 1)
The statute further requires TNCs to provide drivers with written notice of coverage gaps and to maintain records of insurance coverage for each ride. These requirements create a paper trail that experienced attorneys can use to hold companies accountable when they attempt to deny coverage based on technicalities.
Importantly, C.R.S. § 40-10.1-601 does not prevent personal auto insurers from excluding rideshare activity. This means drivers must either purchase a rideshare endorsement from their personal carrier (typically $10-$30/month) or accept the risk that their personal policy will deny any claim where rideshare activity is discovered.
The “Denial Letter” Process: Why Your Personal Insurance Must Deny You First
This is the procedural step that most generic rideshare accident articles fail to explain—and it’s the reason many legitimate claims get delayed or abandoned.
During Period 1 (app on, waiting for a request), Uber and Lyft’s insurance policies are contingent, not primary. This means the TNC’s carrier (James River for Uber, Mobilitas for Lyft) will not pay a single dollar until the driver’s personal insurance company has formally denied the claim in writing.
The Step-by-Step Process:
- Report to Personal Carrier First: The driver must file a claim with their personal auto insurance (State Farm, GEICO, etc.) and fully cooperate with their investigation.
- The Investigation: The personal carrier will investigate whether the app was on at the time of the accident. They’ll request phone records, app data, and statements.
- The Denial: If the carrier discovers the app was active, they’ll issue a formal denial letter citing the “business use exclusion” in the policy.
- Submit Denial to TNC Carrier: Only after receiving this denial letter can the claimant pursue coverage under the TNC’s contingent policy.
- TNC Investigation Begins: James River or Mobilitas will then conduct their own investigation to verify the driver was indeed in Period 1 and that coverage applies.
This process can take 60-90 days or longer, during which injured parties are left without compensation for medical bills, lost wages, or vehicle repairs. Insurance companies know that delay creates pressure on claimants to accept lowball settlements.
Additionally, if the personal insurance company doesn’t explicitly deny the claim in writing—if they simply delay or give verbal denials—the TNC carrier may refuse to acknowledge their contingent obligation. This creates a coverage limbo where both insurers point fingers at each other while the injured party suffers.
Experienced rideshare accident attorneys expedite this process by simultaneously filing claims with both carriers, demanding written responses within specific timeframes, and threatening bad faith litigation if insurers engage in unreasonable delay tactics.
Colorado’s Enhanced UM/UIM Protection for Rideshare Accidents (HB22-1089)
In 2022, Colorado enacted House Bill 22-1089, which significantly strengthened Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage requirements for TNC policies. This law was passed in response to cases where rideshare passengers were severely injured by uninsured drivers but discovered the TNC’s UM/UIM coverage was inadequate.
The Key Protections:
Under HB22-1089, TNC insurance policies operating in Colorado must provide minimum UM/UIM coverage of:
- $200,000 per person
- $400,000 per accident
This coverage applies during Periods 2 and 3 (en route and passenger in vehicle). It protects passengers and drivers when they’re hit by a driver who has no insurance or whose insurance limits are insufficient to cover the damages.
Prior to this law, some TNC policies offered only the state minimum UM/UIM coverage ($25,000/$50,000), which left catastrophic injury victims drastically undercompensated. The enhanced limits ensure that passengers who suffer traumatic brain injuries, spinal cord damage, or other life-altering injuries have access to meaningful compensation even when the at-fault driver is uninsured or underinsured.
How UM/UIM Stacking Works:
Colorado law (C.R.S. § 10-4-635) allows injured parties to “stack” UM/UIM coverage from multiple policies in certain situations. For example, if a passenger has their own auto policy with UM/UIM coverage, they may be able to stack their personal UM/UIM limits on top of the TNC’s $200,000/$400,000 coverage.
However, stacking rules are complex and depend on the specific policy language and whether the passenger was occupying their own vehicle or someone else’s at the time of the accident. Insurance companies routinely deny stacking claims, arguing that policy exclusions prevent it. Successfully pursuing stacked UM/UIM coverage typically requires legal representation with specific expertise in Colorado’s stacking statutes.
MedPay and the Opt-Out Problem:
Medical Payments Coverage (MedPay) is another important protection that pays for medical expenses regardless of fault. Colorado law requires insurers to offer MedPay, but drivers can opt out in writing. Many rideshare drivers unknowingly opt out to save on premiums, not realizing they’re eliminating a crucial safety net.
TNC policies generally don’t provide MedPay during Period 1, so drivers who’ve opted out of personal MedPay and get injured while waiting for a ride request may have no immediate coverage for emergency room bills, ambulance transport, or urgent care—even if they weren’t at fault.
Common Coverage Gaps and Exclusions in Rideshare Policies
Beyond the Period 1 “danger zone,” several other coverage gaps create financial exposure for drivers and passengers:
The $2,500 Deductible Problem:
While TNC policies provide collision coverage during Periods 2 and 3, they typically carry deductibles of $1,000 to $2,500. For drivers involved in minor at-fault accidents, this deductible can exceed the value of the damage, leaving them to pay out of pocket. Additionally, if the driver’s personal policy has already been voided due to undisclosed rideshare activity, they have no alternative coverage for the deductible.
The Business Use Exclusion:
This is the most common reason personal auto policies deny rideshare-related claims. Standard personal auto policies explicitly exclude coverage for vehicles used to carry passengers for a fee. Even if the accident occurs during Period 0 (app off), if the insurance company discovers the vehicle is regularly used for Uber or Lyft, they may deny the claim or even rescind the entire policy for material misrepresentation.
Drivers who fail to purchase a rideshare endorsement or commercial policy are gambling that their carrier won’t discover their rideshare activity. In the age of social media and data sharing, this is an increasingly risky bet.
Property Damage Limits:
The Period 1 contingent policy provides only $25,000 in property damage coverage. In accidents involving multiple vehicles or expensive vehicles (Tesla, luxury SUVs), this limit can be exhausted quickly, leaving the driver personally liable for the excess damages.
No Coverage for Non-Accident Losses:
TNC policies don’t cover theft, vandalism, or weather damage during any period. Drivers who rely solely on TNC coverage and have cancelled their personal comprehensive coverage have no protection against these common losses.
The Deactivation Risk:
While not technically an insurance gap, many drivers fear that filing a claim will result in deactivation from the platform. Uber and Lyft’s terms of service allow them to deactivate drivers for safety reasons, and multiple accidents can trigger this. However, drivers have the right to pursue legitimate injury claims without retaliation. Documenting that the accident wasn’t the driver’s fault and maintaining a strong safety record can mitigate deactivation risk.
High-Risk Accident Zones in Colorado’s Rideshare Network
Certain locations in Colorado see disproportionately high rates of rideshare accidents due to traffic patterns, road design, and rider demand. Understanding these high-risk zones helps contextualize how insurance coverage applies in real-world scenarios.
Denver International Airport (DIA) – Terminal East and West:
DIA is one of the busiest rideshare pickup locations in Colorado, with thousands of trips originating daily. The airport’s complex roadway system, with separate commercial and passenger vehicle lanes, creates confusion and frequent low-speed collisions. Additionally, accidents occurring on airport property may involve questions about whether Denver’s municipal liability or the TNC’s commercial policy applies, particularly in areas where signage is unclear.
Period 2 and 3 accidents at DIA are straightforward from a coverage perspective, but Period 1 accidents (drivers circling the airport waiting for requests) fall into the contingent coverage gap. Drivers often wait in the cell phone lot or circle the terminal area for extended periods with the app on, creating extended exposure to the Period 1 coverage limitations.
The I-25/I-70 “Mousetrap” Interchange:
This notorious interchange in downtown Denver is one of the most dangerous stretches of highway in Colorado. High speeds, aggressive lane changes, and complex merging patterns create frequent multi-vehicle collisions. Rideshare drivers transporting passengers through this area during rush hour face elevated risk of catastrophic accidents.
When serious injuries occur in high-speed highway crashes during Period 3, the $1 million TNC policy may be insufficient if multiple parties are injured. In these cases, accessing the driver’s personal UM/UIM coverage (if not excluded), the passenger’s own auto policy UM/UIM limits, and potentially the at-fault third party’s coverage becomes critical to fully compensating victims.
LoDo and Union Station (Late-Night Pedestrian Conflicts):
Denver’s Lower Downtown district and Union Station area see heavy late-night rideshare activity, particularly on weekends. The combination of intoxicated pedestrians, scooter riders, and congested streets creates frequent conflicts. Accidents involving pedestrians or cyclists often result in severe injuries and complex liability determinations.
In these scenarios, rideshare drivers may face claims from pedestrians even when the pedestrian was partially at fault. Colorado’s modified comparative negligence rule (C.R.S. § 13-21-111) allows injured parties to recover damages as long as they’re less than 50% at fault, with recovery reduced by their percentage of fault. Understanding how comparative fault interacts with TNC insurance limits is essential for both drivers defending claims and pedestrians pursuing compensation.
Red Rocks Amphitheatre and Event Venues:
After concerts and sporting events, surge pricing attracts rideshare drivers to venues like Red Rocks, Ball Arena, and Empower Field. The combination of impaired passengers, congested parking areas, and fatigued drivers creates accident risk. Additionally, accidents occurring on private property (venue parking lots) may involve questions about whether the property owner’s liability insurance or the TNC policy is primary.
Who Is Liable in Different Rideshare Accident Scenarios
Determining liability in rideshare accidents requires analyzing both fault for the accident and which insurance policy applies based on the driver’s app status.
Scenario 1: Passenger Injured by Rideshare Driver’s Negligence (Period 3)
When a rideshare driver causes an accident while transporting a passenger, the passenger has a claim against the driver covered by the TNC’s $1 million policy. This is the most straightforward scenario. The passenger should file a claim directly with James River (Uber) or Mobilitas (Lyft), providing documentation of injuries and damages.
However, passengers should be cautious about recorded statements and early settlement offers. TNC carriers are sophisticated commercial insurers who will attempt to minimize payouts. Passengers with serious injuries should consult an attorney before accepting any settlement.
Scenario 2: Third-Party Driver Hit by Rideshare Vehicle (Period 2 or 3)
If you’re driving your own vehicle and are hit by an Uber or Lyft driver who was en route to pick up or transporting a passenger, you have a claim against the TNC’s commercial policy. You’ll need to obtain the rideshare driver’s information and report the claim to the TNC carrier.
One complication: the TNC carrier may dispute whether their driver was at fault or whether their driver was actually in Period 2 or 3 at the time. They may request app data and GPS records. If the TNC carrier denies the claim or offers inadequate compensation, you can pursue the claim through your own collision coverage (if you have it) and let your insurer subrogate against the TNC, or file a lawsuit against the rideshare driver and the TNC.
Scenario 3: Rideshare Driver Hit by Uninsured Motorist (Any Period)
This is where Colorado’s enhanced UM/UIM protections become critical. If you’re a rideshare driver or passenger and are hit by an uninsured or underinsured driver:
- During Period 0: You rely on your personal auto policy’s UM/UIM coverage (if you have it).
- During Period 1: You may access the TNC’s contingent UM/UIM coverage (after your personal policy denies), but limits may be lower than Periods 2-3.
- During Periods 2-3: You can access the TNC’s $200,000/$400,000 UM/UIM coverage, and potentially stack your personal UM/UIM on top.
UM/UIM claims are notoriously complex because you’re making a claim against your own insurance company (or the TNC’s carrier), and they’ll scrutinize every aspect of the claim to minimize payout.
Scenario 4: Rideshare Driver Causes Accident During Period 1
This is the nightmare scenario for both the driver and the injured party. The driver’s personal insurance will likely deny based on business use exclusion. The TNC’s contingent coverage provides only $50,000/$100,000/$25,000 in limits. If the injured party’s damages exceed these limits, they may pursue the driver personally for the excess.
Drivers in this situation face potential personal liability, deactivation from the platform, and loss of their personal auto coverage. Injured parties face inadequate compensation and a complex multi-carrier claims process.
Scenario 5: Multi-Vehicle Accident with Shared Fault
Colorado’s comparative negligence rule applies to rideshare accidents. If a rideshare driver is 30% at fault and another driver is 70% at fault, the rideshare driver (or their passengers) can still recover 70% of their damages from the other driver. However, the TNC’s carrier will likely assert comparative fault to reduce their payout, and determining fault percentages often requires accident reconstruction experts and litigation.
Need Legal Representation for Your Rideshare Accident?
If you’ve been injured in a rideshare accident or are facing a claim denial, specialized legal guidance can help you navigate the multi-carrier insurance maze. Kevin Cheney and the team at Cheney Galluzzi & Howard handles complex rideshare claims across Colorado:
- Colorado Car Accident – For all vehicle collision claims, including rideshare incidents
- Catastrophic Injury – For severe injuries resulting from high-speed rideshare crashes
- Uninsured Motorist Claims – When the at-fault driver lacks adequate coverage
- Bad Faith Insurance Claims – When James River, Mobilitas, or your personal carrier delays or denies legitimate claims
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The Final Word on Colorado TNC Protections
Understanding rideshare insurance in Colorado requires navigating a complex web of personal policies, contingent TNC coverage, commercial policies, and state-mandated protections. The four-period coverage system creates gaps and overlaps that even experienced insurance professionals struggle to interpret.
Whether you’re a rideshare driver protecting yourself from liability, a passenger injured during a trip, or a third-party motorist hit by a rideshare vehicle, knowing which policy applies and how to properly pursue your claim can mean the difference between full compensation and financial devastation.
Colorado’s enhanced UM/UIM requirements and TNC transparency laws provide stronger protections than many states, but insurance companies still routinely deny legitimate claims, delay investigations, and offer inadequate settlements. Don’t let an insurance adjuster tell you what your claim is worth—your life is worth more than their bottom line.
Frequently Asked Questions About Rideshare Accidents
Who is responsible for paying after a rideshare accident?
Responsibility depends on the driver’s status during the accident, which dictates which insurance policy applies. If the driver’s app was off, their personal insurance typically covers damages. If the app was on but waiting for a ride request, the rideshare company’s limited liability insurance of $50,000 per person and $100,000 per accident applies after the personal insurer denies the claim. Once the driver is en route to pick up a passenger or has a passenger in the vehicle, the rideshare company’s $1 million commercial insurance kicks in. Determining this app status is crucial and requires experienced legal assistance from rideshare accident attorneys who understand how to document and prove which coverage applies to your case.
As rideshare companies like Uber and Lyft offer a transportation alternative, passengers may be unsure where to turn after an accident in a rideshare vehicle. If you experienced injuries, do you file a claim with the driver’s insurance company, the rideshare app or your own auto insurance provider?
Explore your options in Colorado if you face mounting medical bills and disability after an accident as a passenger in an Uber or Lyft.
Provisions of the Transportation Network Company Act
Under this Colorado law, “transportation network companies” such as Lyft and Uber must provide the first line of insurance coverage whenever the driver is active and accepting work in the rideshare app. Rideshare firms must hold injury liability coverage of at least $50,000 per person or $100,000 per accident. If the driver has accepted a ride or has a passenger, the coverage increases to $1,000,000.00.
Additional remedies
When another driver caused the accident in which you received injuries, you can file a claim with the third-party driver’s insurer. In those cases, there may also be additional coverage available through the rideshare company.
Sometimes, the insurance company provides a settlement number that does not fully cover the costs associated with your injury. In Colorado, you can seek personal injury damages for monetary costs such as medical care, lost wages and home modifications. You may also be able to recoup up to $584,210 for non-monetary costs such as pain and suffering.
Colorado residents must file a personal injury lawsuit within three years of an accident involving a rideshare driver.
Can I sue Uber or Lyft directly for an accident?
Because Uber and Lyft classify drivers as independent contractors, suing the companies directly for driver negligence is difficult. However, their commercial insurance policies are designed to cover accidents while drivers are active in the app, providing up to $1 million in coverage for injuries. In rare cases involving gross negligence—like failing to properly vet drivers with problematic driving records—a direct lawsuit against the company may be possible. Our rideshare accident lawyers know how to navigate these legal nuances to maximize your compensation after an accident involving an Uber or Lyft vehicle on Colorado roads.
What evidence do I need to support my rideshare accident claim?
Critical evidence includes photos of the accident scene, witness accounts, and police reports. Additionally, app-specific data like ride screenshots, GPS information, and driver activity logs are essential for proving the driver’s status at the time of the accident. Since this data can be deleted, an attorney should send a preservation letter to ensure all pertinent information is secured. Video footage from dashcams, security cameras, or bystanders can also strongly support your case. Our rideshare accident attorneys know how to gather and preserve this crucial evidence to strengthen your claim for compensation.
Should I accept an insurance company’s quick settlement offer?
No. Insurance companies often rush to settle claims for less than they are worth, especially before you fully understand your injuries or losses. Accepting a quick offer or giving a recorded statement too soon can jeopardize your rights to fair compensation for ongoing medical treatment, lost wages, and pain and suffering. Always consult with an experienced rideshare accident lawyer before responding to insurance adjusters. Our attorneys at Cheney Galluzzi & Howard LLC will evaluate the true value of your claim and fight for the compensation you deserve after a rideshare accident on Colorado roads.
What compensation can I expect from a rideshare accident claim?
Victims may be entitled to compensation for medical expenses, lost income, property damage, pain and suffering, and in severe cases, permanent disability or loss of quality of life. Because rideshare claims involve multiple insurance coverages and liability factors, an attorney’s expertise is vital to identify all potential sources and fully evaluate your damages. Our rideshare accident attorneys will work to document all your losses and secure compensation that reflects both the immediate and long-term impacts of your injuries after an Uber or Lyft accident.
Will Uber or Lyft deactivate me if I file an insurance claim after an accident?
Uber and Lyft’s community guidelines state that drivers can be deactivated for safety reasons, including involvement in multiple accidents. However, filing a legitimate insurance claim for an accident where you weren’t at fault should not result in deactivation. Companies are prohibited from retaliating against drivers for exercising their legal rights. If you’re deactivated after filing a claim, document the timeline and consult an attorney about potential wrongful termination or retaliation claims.
That said, at-fault accidents, especially multiple incidents, can lead to deactivation based on safety scores. Maintaining a clean driving record and documenting that accidents weren’t your fault helps protect your status on the platform.
What if my personal insurance company said I’m covered even though I drive for Uber?
Get that confirmation in writing, specifically referencing rideshare activity. Many drivers receive verbal assurances from insurance agents who don’t fully understand the business use exclusion. When a claim is actually filed, the claims department (not the sales agent) makes coverage decisions, and they’ll enforce policy exclusions.
If your agent says you’re covered, ask them to add a rideshare endorsement to your policy or provide written confirmation that rideshare activity doesn’t void coverage. If they can’t or won’t provide this in writing, assume you’re not covered during rideshare activity.
Can I handle a rideshare accident claim myself without an attorney?
For minor accidents with clear fault and no injuries, you may be able to settle directly with the insurance carrier. However, rideshare claims involve multiple carriers, complex coverage determinations, and sophisticated commercial insurers who have teams of adjusters and attorneys working to minimize payouts.
If you’ve suffered significant injuries, if fault is disputed, if you’re facing a denial letter requirement, or if the accident occurred during Period 1, the complexity of the claim typically justifies legal representation. Most personal injury attorneys work on contingency (no upfront fees), so there’s no financial risk to consulting with one.
How long do I have to file a rideshare accident claim in Colorado?
Colorado’s statute of limitations for personal injury claims is generally three years from the date of the accident (C.R.S. § 13-80-102), and two years for wrongful death claims (C.R.S. § 13-80-102). However, insurance policies often require you to report accidents and file claims much sooner—typically within days or weeks.
Failing to timely report an accident to the insurance carrier can result in denial of coverage. Even if you’re not sure you’re injured or whether you’ll file a claim, report the accident to all potentially applicable carriers (your personal insurance, the TNC, and any third-party drivers) within 24-48 hours.
Does Colorado’s new TNC Transparency Law (SB24-075) affect accident claims?
Senate Bill 24-075, which took effect in 2024, requires TNCs to provide drivers with more detailed information about trip data, earnings, and deactivation reasons. While this law primarily focuses on worker classification and transparency issues, the data disclosure requirements can be helpful in accident claims.
Specifically, drivers can now request detailed trip logs that show their exact status (Period 1, 2, or 3) at the time of an accident, which is critical for determining which insurance policy applies. This data can prevent TNC carriers from disputing coverage based on app status.
What happens if the rideshare driver’s insurance and the TNC’s insurance both deny my claim?
This is the coverage gap nightmare that occurs most often during Period 1. If the driver’s personal carrier denies based on business use exclusion, and the TNC’s carrier denies claiming the driver wasn’t logged into the app or disputes the period status, you’re caught between two denials.
In this situation, you may need to file a lawsuit against both the driver and the TNC, forcing them to litigate the coverage question. You may also be able to access your own UM/UIM coverage or collision coverage (if you have it) and let your insurer pursue subrogation. An experienced attorney can navigate this multi-party dispute and prevent insurers from improperly denying coverage.