What to Do If You’re Hurt in an Uber or Lyft Accident

Injured in an Uber or Lyft accident? Know who’s liable and how to seek compensation. Contact us today for a free consultation.

Rideshare services like Uber and Lyft have revolutionized transportation, but accidents involving these vehicles can be legally complex. If you’ve been injured in an Uber or Lyft accident—whether as a passenger, driver, or pedestrian—you need to understand your rights and the steps to take for compensation.

At Schierer & Ritchie, LLC, we understand the challenges of rideshare accident claims. If you or a loved one has been injured in an Uber or Lyft accident, contact us for a free consultation today. We’ll help you navigate the legal process and fight for your deserved compensation.

Immediate Steps to Take After a Rideshare Accident

If you’re involved in an accident with an Uber or Lyft, follow these steps to protect your health and legal rights:

Call 911 and Seek Medical Attention – Even if your injuries seem minor, a medical evaluation is crucial for your well-being and any potential claim.
Report the Accident to the Police – A police report serves as an official record, critical for insurance claims and lawsuits.
Document the Scene – Take photos of the accident site, vehicle damage, license plates, and any visible injuries.
Gather Witness Information – Get the names and contact details of witnesses who saw the accident.
Report the Crash to Uber or Lyft – The app’s accident reporting feature will notify the rideshare company.
Avoid Giving Detailed Statements to Insurance Adjusters – Stick to basic facts and consult a lawyer before discussing fault or settlement offers.
Contact a Personal Injury Lawyer – A lawyer can help you navigate the complexities of rideshare accident claims and maximize compensation.

Who is Liable in an Uber or Lyft Accident?

Liability in a rideshare accident depends on multiple factors, including who caused the crash and the driver’s status within the rideshare platform.

When the Uber or Lyft Driver is at Fault

Uber and Lyft classify their drivers as independent contractors, but they provide liability coverage under specific circumstances:

If the driver is logged into the app and waiting for a ride request:
- Coverage: $50,000 per person, $100,000 per accident for injuries, and $25,000 for property damage (Illinois Rideshare Insurance Requirements).
If the driver has accepted a ride or is transporting a passenger:
- Coverage: $1 million in liability insurance (Uber’s Insurance Policy | Lyft’s Insurance Policy).
If the driver is not logged into the app:
- Their auto insurance applies.

When Another Driver is at Fault

If another driver caused the accident, their insurance is responsible for covering damages. However, if they are uninsured or underinsured, Uber and Lyft provide $1 million in uninsured/underinsured motorist (UM/UIM) coverage while a passenger is in the vehicle.

When Uber or Lyft May Be Liable

Although Uber and Lyft often distance themselves from driver liability, there are rare situations where they can be held accountable:

Negligent hiring (e.g., failing to conduct proper background checks).
Improper vehicle maintenance (if a company-owned vehicle was used).
App malfunctions that contributed to the accident.

How to File a Claim After a Rideshare Accident

Filing an Insurance Claim

Depending on fault and the driver’s status, you may need to file claims with:

The rideshare company’s insurance provider.
The at-fault driver’s insurance.
Your auto insurance (if applicable).

What Compensation Can You Recover?

If injured in an Uber or Lyft accident, you may be entitled to:

Medical expenses (current and future treatment).
Lost wages (if injuries prevent you from working).
Pain and suffering (for physical and emotional distress).
Property damage (for vehicle repairs or replacements).

Challenges in Rideshare Accident Claims

Rideshare accident cases can be more complex than traditional car accidents due to:

Multiple insurance policies – Determining which policy applies can be confusing.
Disputes over liability – Uber and Lyft often try to limit their financial responsibility.
Insurance company tactics – Adjusters may attempt to minimize payouts or delay claims.

Do You Need a Lawyer for an Uber or Lyft Accident Claim?

Given the complexities of rideshare accidents, consulting an attorney can be invaluable. A lawyer can:

Investigate the accident and gather evidence.
Handle negotiations with insurance companies.
Ensure you receive the maximum compensation you deserve.