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Rideshare Accident Help:
Your Rights and How to Get Help

An Uber or Lyft crash is not like a normal car accident. Who pays depends on what the app was doing at the moment of the wreck, and the coverage can jump from a thin personal policy to a $1 million policy. This guide covers when that $1 million applies, who you can claim against, and how to reach an attorney who handles rideshare cases. Easy Accident Help is free to use and is not a law firm.
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Overview

What a Rideshare Accident Claim Involves

A rideshare accident claim is a request for payment after a crash involving an Uber or Lyft. What makes it different from an ordinary car claim is the insurance. Uber and Lyft carry coverage that switches on and off depending on what the driver’s app was doing, so the single most important question is what the app showed at the moment of the crash. There can also be more than one party to claim against, the rideshare driver, the other driver, or both. Whether you were a passenger, in another car, or on foot, the first job is to work out which policy applies to you.
  • Medical records
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What a rideshare accident claim involves

Crash happens

Evidence is preserved

Fault and coverage are worked out

Insurers review

Settlement or lawsuit

Worth knowing

You do not have to untangle the insurance yourself. A free review tells you whether you have a claim and which coverage applies, and talking to an attorney does not commit you to hiring one. With rideshare cases, saving the trip details early really matters.

Scenarios

What Counts as a Rideshare Accident Claim

You can have a claim whether you were riding, driving, or just nearby when an Uber or Lyft crashed. These are the ones that come up most.

You were a passenger in an Uber or Lyft

A passenger is almost never at fault, so you usually have a clear claim. It may be against the rideshare driver, the other driver, or both.

Your car was hit by a rideshare driver

If an Uber or Lyft driver hit your car, which policy pays depends on whether they were waiting for a ride, heading to a pickup or carrying a passenger at the time.

Uninsured driver hit your rideshare

If the driver who caused your crash had no insurance or fled the scene, the rideshare company’s uninsured motorist coverage can step in during a ride, which is often the only way to get paid.

You were hit as a pedestrian or cyclist

A rideshare driver who hits someone on foot or on a bike is covered the same way, by whichever period applied at the time.

You were the rideshare driver

If another driver caused the crash while you were online, you may have a claim against them and, depending on the period, through Uber or Lyft's coverage.

The app was on but no ride was accepted

When the app was on but no ride was accepted, Uber and Lyft only provide limited backup coverage, and they often try to deny. This is the gap where people get stuck and where legal help matters most.

More than one insurance policy can apply to a single rideshare crash. Working out which one, or which combination, is a big part of the claim.
Common Rideshare Accident Injuries

Injuries

Common Rideshare Accident Injuries

Rideshare crashes cause the same injuries as any car crash, and passengers in the back seat are often unbelted, which can make them worse. Get checked even if you feel okay.

Whiplash and soft tissue injuries

Neck and back strain from the sudden impact, often worse a day or two later than at the scene.

Concussion and head injuries

A strike against a window, seat or headrest can cause a concussion even without an obvious blow.

Back and spinal injuries

Herniated discs and nerve pain are common, and can need long-term treatment.

Broken bones

Wrists, arms and ribs take the force in a crash, especially for an unbelted back-seat passenger.

Internal injuries

Bleeding and organ damage can be hard to spot and dangerous to leave, so prompt imaging matters.

Anxiety and trouble travelling

Being a passenger with no control over the crash can leave lasting anxiety, which can form part of a claim.

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Liability

Who Pays After an Uber or Lyft Accident

This is where rideshare cases are won or lost. The coverage depends entirely on what the app was doing when the crash happened. Uber and Lyft use the same four-stage structure.

App off

Only the driver's personal car insurance applies, the same as any private driver.

App on, waiting for a ride

Uber and Lyft provide limited backup liability, around $50,000 per person, $100,000 per accident and $25,000 for property damage. It is contingent, so they only pay if the driver's own policy does not, which is why Period 1 claims get denied.

On the way to pick up a passenger

Once a ride is accepted, a $1,000,000 liability policy applies, plus uninsured and underinsured motorist coverage.

Passenger in the car

The same $1,000,000 coverage applies for the whole trip until the passenger is dropped off.

What If You Were Partly at Fault?

If you were a passenger, you were almost certainly not at fault, so this rarely applies to you. If you were another driver or the rideshare driver, how shared fault is handled depends on your state, and it can reduce or affect a claim. Your state page has the rule that applies to you, and an attorney can tell you how it works with the rideshare policies.

Compensation

Rideshare Accident Compensation: What You Can Claim

Because a $1 million policy can be in play, rideshare claims can be larger than a normal car claim, but only if the right coverage is identified. What you can claim depends on your injuries, your state and the policy that applies.

Medical bills, now and later

Emergency care, imaging, physical therapy and the cost of treatment a doctor says you will still need.

Lost wages and lost earning capacity

Time off while you recover, plus the longer term hit if you cannot go back to the same work.

Pain and suffering

The physical pain and the effect on daily life, calculated differently from state to state.

Long-term and in-home care

For permanent injuries, the cost of ongoing care and home adjustments.

Property damage

For another driver, repair or replacement of your vehicle. For a passenger, any belongings damaged in the crash.

Wrongful death costs

If you lost a family member, funeral and burial costs plus the loss of the income and support they provided.

A $1 million policy does not mean a $1 million claim. What you recover depends on your injuries and losses. Anyone who gives you a figure before seeing the details is guessing.

First steps

What to Do After an Uber or Lyft Accident

After a rideshare crash the first steps matter even more, because the evidence that proves which policy applies lives in the app and can be hard to get later.

Get checked by a doctor, even if you feel fine

Crash injuries often show up a day or two later, and your first medical record ties them to the crash.

Screenshot the trip in the app

The ride details, the receipt, the driver's name and the trip status are the proof of which coverage period applied. Save them before anything changes.

Report the crash in the Uber or Lyft app

Both apps have a way to report an accident. Reporting it creates a record with the company.

Call the police and get the crash report

Make sure the report notes it was a rideshare trip and names both drivers if more than one vehicle was involved.

Get both drivers' details

The rideshare driver and any other driver. Names, insurance, plates and contact details, plus any witness numbers.

Photograph everything

Both vehicles, the scene, and your injuries as they develop.

Go slow with the insurers

Uber's or Lyft's insurer, or the drivers' insurers, may call quickly and argue about which period applied. You are not required to give a recorded statement, and most people talk to an attorney first.

Ready when you are

Speak With an Attorney About Your Rideshare Accident

Find out in about two minutes whether you qualify to be matched with an attorney in your state who handles Uber and Lyft cases. It is free, there is no obligation and you only pay if they win.
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How Easy Accident Help works

How it works

How Easy Accident Help Works

Easy Accident Help is a free service that matches people hurt in rideshare accidents with independent personal injury attorneys. You answer a few quick questions, we look for an attorney licensed in your state whose practice covers Uber and Lyft cases, then we pass your details to them and they reach out. We are not a law firm and we do not give legal advice. The attorney you talk to does, and you decide whether to hire them.

To be clear

Easy Accident Help is not a law firm and not a lawyer referral service. We do not give legal advice and we do not represent you. Any attorney-client relationship is between you and the attorney we connect you with.

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Coverage

Find Rideshare Accident Help by State

We connect people with rideshare accident attorneys across the country. Start with your state below.

Popular cities for car accident help

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We help with rideshare accidents everywhere, not only in the cities listed here.

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Coverage

Find Rideshare Accident Help by State

We connect people with rideshare accident attorneys across the country. Start with your state below.

Popular cities for car accident help

Houston
Los Angeles
San Diego
Dallas
Phoenix
San Antonio
Phoenix

We help with rideshare accidents everywhere, not only in the cities listed here.

Arizona
California
Texas
North Carolina
New York

Coverage

Find Rideshare Accident Help by State

We connect people with rideshare accident attorneys across the country. Start with your state below.

Popular cities for car accident help

Houston
Los Angeles
San Diego
Dallas
Phoenix
San Antonio

We help with rideshare accidents everywhere, not only in the cities listed here.

Arizona
California
Texas
North Carolina
New York

Common questions

Common Rideshare Accident Questions

Does Uber or Lyft insurance cover me if I was in a crash?

It depends on what the app was doing. If the driver had accepted a ride or had a passenger, a $1 million policy usually applies. If the app was on but no ride was accepted, only limited backup coverage applies, and if the app was off, only the driver’s personal insurance.
You usually have a claim against whoever caused the crash, which may be the rideshare driver, the other driver, or both. As a passenger you are almost never at fault, so your path to a claim is usually clear.
Once the driver has accepted a ride and is on the way to the pickup, and throughout the trip while a passenger is in the car. It does not apply when the app is off or when the driver is just waiting for a request.
Get medical care, screenshot the trip and receipt in the app, report the crash through the app, call the police, get both drivers’ details, and avoid giving an insurer a recorded statement before talking to an attorney.
It depends on your state, often two to three years from the crash. Your state page has the deadline that applies to you.
No. We are a free service that matches people with independent personal injury attorneys. We do not give legal advice. The attorney you are matched with does.
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