Rideshare Accidents: Uber, Lyft, and Your Right to Compensation
6 min read
Uber and Lyft crashes involve multiple insurers and confusing coverage rules. Here's how rideshare accident claims actually work.
Why Rideshare Crashes Are Complicated
Uber and Lyft drivers are usually classified as independent contractors, not employees. That classification can blur who is responsible when a crash happens — the driver, the rideshare company, or both. Determining which insurance policy applies depends on exactly what the driver was doing at the moment of impact.
The Three Coverage Periods
Rideshare insurance generally falls into three phases. Period 1 — the app is on but no ride accepted — offers limited coverage. Period 2 — a ride is accepted and the driver is en route — triggers the company's $1 million liability policy. Period 3 — the passenger is in the car — also carries that higher coverage. Proving which period you were in is critical.
Multiple Insurance Policies May Be Involved
In a rideshare crash, the driver's personal auto policy, the rideshare company's commercial policy, and another at-fault driver's insurance may all come into play. Insurers routinely point fingers at each other to avoid paying.
Preserve the Evidence
Screenshot your ride receipt, the driver's profile, and the trip route. Note the exact time and location. Save any communications with the rideshare platform.
Don't Let the App Decide Your Fate
The rideshare company's insurer is not on your side. An experienced attorney can identify the correct coverage and hold the right parties accountable. The Law Office of Michael V. Jehdian has handled rideshare injury claims since 1996. Call 888-977-8899 for a free consultation.
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