Injured in a Rideshare Accident? Know Your Rights
Rideshare accidents involving Uber and Lyft create unique legal challenges. Multiple insurance policies may apply, and the claims process is more complex than a typical car accident.
Who Is Liable?
Liability depends on what the rideshare driver was doing at the time of the accident:
App off: The driver's personal insurance applies. Uber/Lyft have no responsibility.
App on, no ride accepted: Limited coverage from Uber/Lyft kicks in.
Ride accepted or in progress: Uber/Lyft carry $1 million in liability coverage.
If You Were a Passenger
As a rideshare passenger, you're almost always entitled to compensation. The rideshare company's insurance covers you regardless of which driver was at fault.
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You can file a claim against the rideshare driver's personal insurance, the rideshare company's insurance, or both — depending on the driver's status at the time.
If You Were a Pedestrian or Cyclist
The same coverage tiers apply. If the rideshare driver hit you while the app was active, you can access the company's commercial insurance.
The Claims Process
Rideshare claims involve multiple insurers who point fingers at each other. An attorney can cut through the confusion and ensure all available coverage is accessed.
This article is general information only and does not constitute legal advice.
About the Author
Marcus HargroveFounding Partner · General Practice
Founded Hargrove & Associates 14 years ago. J.D. from State University School of Law. Career recoveries over $31M. Known for meticulous preparation and willingness to go to trial when insurance companies refuse fair settlements. Also maintains an active criminal defense practice. $2.1M wrongful death verdict — the largest single verdict in NVC history. $840K car accident settlement where the insurer initially offered $45K. DUI dismissed due to procedural violations. NVC Business Chamber member. Youth mentorship program founder.
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