Motor vehicle drivers in Colorado are required to have auto liability insurance coverage of at least $25,000 per person, $50,000 per accident, and $15,000 for property damage, so your Uber or Lyft driver should have at least this amount of coverage. They could have purchased higher coverage.
Uber and Lyft typically provide its drivers with auto liability coverage of $50,000 per person, $100,000 per accident, and $25,000 for property damage when the driver is available but not yet on a trip or en route to a trip.
Uber and Lyft typically provide its drivers with auto liability coverage of $1 million when the driver is on a trip or en route to a trip.