Breathe, Then Act: 3 Key Steps
- Get Medical Care: Even if you feel okay, internal injuries are common. Get checked and document everything.
- Document the Scene: Take photos of damage, app screenshots, and the driver’s profile. Get witness info if possible.
- Speak to a Lawyer: Don’t talk to any insurance company—especially Uber or Lyft’s—until you have legal representation.
Why Rideshare Accidents Are More Complicated
Unlike standard car accidents, rideshare crashes involve overlapping insurance layers and app-based liability zones. Uber and Lyft classify drivers as independent contractors, which limits direct liability—but doesn’t eliminate it. You may face multiple adjusters blaming each other, stalling your claim.
Insurance Coverage Depends on App Status
| App Status | Coverage Provided |
|---|---|
| App Off | Driver’s personal insurance only |
| App On, No Ride Accepted | Up to $50k per person / $100k per accident |
| Ride Accepted or In Progress | Up to $1M liability and UM/UIM coverage |
California Insurance Code §11580.26 requires these minimums for TNCs.
Liability Challenges Unique to Rideshare Claims
- Independent Contractor Defense: Uber/Lyft often claim they’re not responsible for driver negligence.
- Multiple Adjusters: You may face separate reps for the driver, Uber/Lyft, and other vehicles.
- App Log Disputes: Evidence may need to be subpoenaed to prove the app was on during the crash.
Real Client Story: Uber Passenger, Big Win
Our client was riding in an Uber in Orange County when another car ran a red light. The other driver fled the scene, and Uber’s insurer only offered $40,000. Our team investigated app logs, brought in a medical expert, and filed a UM claim. Final result: $280,000.
Note: Every case is different. Compensation depends on injuries, insurance, and legal arguments.
Rideshare FAQ
Can I sue Uber or Lyft directly?
Usually no. But if they failed to vet or train a driver properly, they may share liability.
What if the driver had the app off?
Your claim goes through their personal insurance—which may have minimal coverage.
What if I was in another car hit by a rideshare driver?
You may have a claim against both the driver and Uber/Lyft depending on app status and fault.
Can I get compensation if I was partially at fault?
Yes. California follows comparative negligence rules. Your compensation is reduced by your percentage of fault.
You Don’t Have to Untangle This Alone
Rideshare crash claims are legally dense and emotionally draining. You don’t have to face Uber or Lyft’s insurance teams alone. Our attorneys handle the complexity so you can focus on healing.
Schedule your free consultation today.
