Rideshare Accident Representation

Navigating Uber, Lyft, and Rideshare Insurance Claims

Rideshare accidents present uniquely complex insurance issues. Uber and Lyft provide different levels of coverage depending on whether the driver had the app on, was waiting for a ride request, or had a passenger in the car. The rideshare companies' insurance and the driver's personal auto insurance may both apply — or neither may want to pay.

Our attorneys understand exactly how these coverage tiers work and how to maximize your recovery regardless of which phase the driver was in when the crash occurred. We handle claims for passengers, other drivers, cyclists, and pedestrians injured in rideshare accidents.

The Three Coverage Phases

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App Off (Phase 0)Driver's personal auto insurance applies. Rideshare companies provide no coverage.
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App On, No Passenger (Phase 1)Rideshare company provides limited contingent liability coverage ($50K–$100K).
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Ride Accepted / Passenger In Car (Phase 2 & 3)Rideshare company's $1M+ commercial policy applies — this is the full coverage period.

Who Can File a Rideshare Accident Claim?

Anyone injured by a rideshare driver can file a claim: passengers in the rideshare vehicle, occupants of other cars, pedestrians, cyclists, and motorcyclists. Our attorneys evaluate the exact phase of the ride, all available insurance policies, and any additional liable parties.