What Makes Rideshare Accidents Different?
If you’ve been injured in a car accident involving an Uber or Lyft, you may think it’s just like any other crash. However, rideshare accidents are more complicated because of multiple insurance policies, independent contractor status, and different liability rules.
Unlike traditional car accidents, Uber and Lyft drivers are not employees—they are independent contractors. This means that liability, insurance coverage, and legal claims work differently than in a standard car accident case.
In this guide, we’ll break down who is responsible for a rideshare accident, how Uber and Lyft insurance works, and what compensation you may be entitled to.
Who is Liable in an Uber or Lyft Accident?
Determining who is responsible in a rideshare accident depends on what the driver was doing at the time of the crash. Liability can fall on:
✔ The Uber/Lyft Driver – If the driver was negligent (e.g., speeding, distracted driving).
✔ Another Driver – If another vehicle caused the accident.
✔ Uber/Lyft’s Insurance Policy – If the driver was logged into the app at the time of the accident.
⏩ Pro Tip: Liability in rideshare cases depends on whether the driver was waiting for a ride request, en route to pick up a passenger, or actively transporting a rider.
How Uber & Lyft Insurance Works
Uber and Lyft provide different levels of insurance coverage, depending on what stage of the ride the driver is in.
📌 If the Driver is NOT Logged Into the App (Personal Use Mode)
- Insurance Coverage: The driver’s personal auto insurance applies.
- Who Pays? Uber and Lyft provide no coverage in this situation.
📌 If the Driver is Logged In & Waiting for a Ride Request
- Insurance Coverage: Uber/Lyft provide:
✔ $50,000 per person for injuries
✔ $100,000 per accident
✔ $25,000 for property damage
📌 If the Driver is Picking Up a Passenger or On a Trip
- Insurance Coverage: Uber/Lyft provide up to $1 million in liability coverage.
⏩ Pro Tip: If you were hit by an Uber or Lyft driver, their personal insurance may deny the claim since they were using the car for business. This is why rideshare insurance policies exist.
Injured as a Passenger in an Uber or Lyft?
If you were a passenger in an Uber or Lyft accident, you may be entitled to compensation from:
✔ Uber or Lyft’s $1 Million Insurance Policy (if the driver was at fault).
✔ The at-fault driver’s insurance (if another car caused the crash).
✔ Uninsured/Underinsured Motorist Coverage (UM/UIM) if the at-fault driver is uninsured.
What Compensation Can You Receive in a Rideshare Accident?
Victims of Uber & Lyft accidents may be entitled to compensation for:
💰 Medical Expenses – ER visits, surgeries, rehab, ongoing treatment.
💰 Lost Wages – If you cannot work due to injuries.
💰 Pain & Suffering – Emotional distress, PTSD, and long-term effects.
💰 Property Damage – Vehicle repair or replacement costs.
⏩ Pro Tip: Because Uber & Lyft have large insurance policies, insurance adjusters may try to minimize your claim. It’s best to have an attorney handle negotiations.
Steps to Take After an Uber or Lyft Accident
If you’re injured in a rideshare accident, follow these steps to protect your rights:
1️⃣ Seek Medical Attention – Even if you feel fine, some injuries appear later.
2️⃣ Report the Accident – Notify Uber/Lyft through the app.
3️⃣ Gather Evidence – Take photos, collect witness info, and get the driver’s details.
4️⃣ Do Not Accept a Quick Settlement – Rideshare companies may try to settle for less than you deserve.
5️⃣ Contact a Rideshare Accident Lawyer – An attorney can fight for maximum compensation.
Why You Need a Lawyer for a Rideshare Accident
Because rideshare companies use complex insurance policies, filing a claim can be challenging. An experienced Uber/Lyft accident lawyer can:
✔ Identify the correct insurance policy to file against.
✔ Prove driver negligence using app data, GPS records, and witness testimony.
✔ Negotiate with Uber & Lyft’s insurance adjusters for full compensation.
✔ File a lawsuit if necessary to get the settlement you deserve.
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