Uber & Lyft Accident Claims: Your Rights as a Passenger or Driver

Rideshare accidents involving Uber and Lyft present unique legal challenges. Multiple insurance policies may apply, liability can be disputed, and the companies themselves try to avoid responsibility. Whether you were a passenger, driver, or third party injured by a rideshare vehicle, understanding your rights is crucial.

Uber and Lyft Insurance Coverage Tiers

The insurance coverage available depends on what the driver was doing at the time of the accident:

App Off: Only the driver's personal insurance applies. Uber/Lyft provide no coverage.

App On, No Ride Accepted: Limited liability coverage from Uber/Lyft (typically $50,000 per person injured).

Ride Accepted or Passenger in Vehicle: Full $1 million liability coverage plus uninsured/underinsured motorist coverage.

If You Were a Passenger

As a passenger, you have strong protections. If you were injured during a ride, Uber or Lyft's $1 million policy applies regardless of who was at fault. You may also have claims against other drivers involved in the accident.

"Rideshare companies want to pay as little as possible. Our job is to navigate their insurance maze and get you the full compensation available."

If You Were the Driver

Rideshare drivers injured on the job face complex situations. Your personal insurance may deny coverage because you were driving commercially. Uber/Lyft's coverage may be limited if you did not have an active ride. An attorney can help you identify all available coverage.

Documentation is Critical

After any rideshare accident, document everything: take photos, get witness information, screenshot your ride history in the app, and seek immediate medical attention. This evidence is essential for your claim.