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Insurance Claims for Uber or Lyft Drivers Hurt in an Accident

What to Do if You’re in an Accident as an Uber or Lyft Driver

If you drive for Uber or Lyft, you’re responsible for your own safety, as well as the safety of your passengers. However, getting behind the wheel always carries some risk. That’s why it’s important to be prepared if you’re ever involved in an Uber or Lyft accident while driving.

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Insurance for Rideshare Drivers

In the case of an Uber or Lyft accident, Uber and Lyft will offer the driver coverage, depending on whether or not they were logged into the app during the time of the impact. Both ridesharing companies have created a list of periods to help drivers understand if they are qualified to receive compensation for an accident.

  • No Period: The driver is NOT logged into the ridesharing app. If they’re involved in a car accident during this time, they’re not considered to be driving with Uber or Lyft, which means that they will have to rely on their own insurance.
  • Period 1: The driver gets into an accident while they are online and awaiting a request. Under this type of circumstance, Uber and Lyft will offer third-party liability if your insurance doesn’t apply.
    • $50,000 per person bodily injury
    • $100,000 per incident
    • $25,000 for property damage
  • Period 2: The driver was involved in a collision after they had accepted a request and were on the way to pick up a rider. Uber and Lyft will offer the driver a $1 million third-party liability, uninsured and underinsured motorist bodily injury coverage, and contingent comprehensive and collision coverage.
  • Period 3: The driver got into an accident after they already completed the pickup and were en route to the destination. Uber and Lyft will offer a $1 million third-party liability, uninsured and underinsured motorist bodily injury coverage, and contingent comprehensive and collision coverage.

What an Uber or Lyft Driver Should Do After an Accident

If you’re involved in an Uber or Lyft accident while driving for either ridesharing service, it’s important to take the right steps to protect your safety and ensure you are set up for fair compensation.

  • Step 1: If you or any of your passengers are hurt, call 911 immediately. The police will arrive at the scene of the accident and create an official police report. A report will initiate an investigation and can help establish liability and identify all responsible parties involved in the accident.
  • Step 2: Seek medical attention if needed and keep any medical documentation of injuries caused by the accident.
  • Step 3: Exchange information with all of the parties involved in the collision. Write down or take photos of their driver’s license, contact information, and insurance information.
  • Step 4: Get contact information from any witnesses. Witnesses provide additional objective and unbiased perspectives that can help defend your claim and establish legitimacy.
  • Step 5: Take pictures of your injuries, damages done to your vehicle, and the location of where the accident took place. You should also document what you experienced before, during, and after the crash.
  • Step 6: Contact an Uber or Lyft accident attorney as soon as possible. They will guide you through the process of building your case. They will also reach out to Uber or Lyft to negotiate a fair settlement to get you the compensation you deserve for losses caused by the accident.

West Coast Trial Lawyers Is Here to Help

If you have sustained injuries as a result of another driver’s carelessness, you have the right to hold that driver responsible. An Uber or Lyft accident attorney at West Coast Trial Lawyers can help you recover compensation for the losses you have suffered, including medical bills, property damage, lost wages, and pain and suffering. Call us today at (213) 927-3700 or email [email protected] to schedule a free consultation with our knowledgeable, caring, and compassionate legal team.

CONTACT WEST COAST TRIAL LAWYERS TODAY


If you have been injured in an accident, you can count on the legal team at West Coast Trial Lawyers to fight for your rights every step of the way. Contact us today to schedule your free case evaluation with a personal injury attorney.
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