Rideshare apps like Uber and Lyft have made getting around easier than ever. However, if you’re injured in a rideshare crash, figuring out who is responsible and who pays can get complicated fast. Between app statuses, layered insurance policies, and multiple parties involved, determining liability isn’t always straightforward.
In this post, we’ll break down the key factors that determine who is liable in a rideshare accident and what steps you should take if you are injured during a trip.
The Difference Between Rideshare Accidents and Typical Car Accidents
When two regular drivers get into an accident, liability usually falls on the at-fault driver and their insurance. But with Uber and Lyft, there is a commercial service added into the mix, so the driver's status and the company's insurance policies also come into play.
Three Key Scenarios in Rideshare Accidents
1. The Driver Wasn’t Logged into the App
If the Uber or Lyft driver caused the accident but was not logged into the app, then it is treated just like any other car accident. The driver’s personal insurance is responsible for covering any damages or injuries.
2. The Driver Was Logged in but Hadn’t Accepted a Ride
When a driver is “available” on the app but has not picked up a passenger yet, Uber and Lyft provide limited liability coverage. This typically includes:
$50,000 per person for bodily injury.
$100,000 per accident for bodily injury.
$25,000 for property damage.
This generally kicks in if the driver’s personal insurance does not cover the accident.
3. The Driver Was on the Way to a Pickup or Had a Passenger
This is where Uber and Lyft’s $1 million liability coverage comes into play. If you are a passenger and the driver gets into an accident—whether it is their fault or not—this policy is designed to cover medical expenses, property damage, and more.
What If Another Driver Caused the Accident?
If another driver—not the rideshare driver—is at fault, their insurance should be responsible. But if they are uninsured or underinsured, Uber and Lyft also carry uninsured/underinsured motorist coverage to protect you as a passenger.
What Should You Do After a Rideshare Accident?
Call 911: Always report the accident and get medical help if needed. Your safety is your top priority.
Document Everything: Take photos, get contact info from everyone involved, and screenshot your ride details from the app.
Report the Accident to the Rideshare Company: Use the app’s built-in incident report feature.
Reach Out to an Attorney: These cases can get complicated. An experienced personal injury attorney can help you understand your rights and ensure you are fairly compensated.
Conclusion
Rideshare accidents involve layers of insurance and legal questions that can be difficult to navigate. Whether you're a passenger, another driver, or even a pedestrian, knowing who’s liable is the first step toward getting the help you need.
If you've been hurt in an Uber or Lyft accident, contact us today for a free consultation. We’ll guide you through the legal process and help you get the compensation you deserve.
