It depends on the driver’s status at the time of the crash. If the driver was actively transporting a passenger (Period 3) or en route to a pickup (Period 2), Uber and Lyft provide up to $1 million in liability coverage plus UM/UIM and contingent comp/collision. If the driver had the app on but hadn’t accepted a ride (Period 1), coverage drops to $50,000 per person / $100,000 per accident. If the app was off (Period 0), there’s no rideshare company coverage at all — only the driver’s personal insurance applies. Determining which period applied at the moment of the crash is one of the most critical steps in your case.
Generally, no. Uber and Lyft classify their drivers as independent contractors, which typically shields the companies from direct lawsuits. However, you can file a claim against the rideshare company’s insurance policy, and in some cases, you may be able to argue that the company was negligent in its screening, training, or supervision of drivers. An experienced rideshare accident attorney can evaluate whether a direct claim against the company is viable in your specific case.
Call 911, get medical attention, and — critically — take a screenshot of your Uber or Lyft app showing the ride details (driver name, photo, vehicle info, trip status, and route) before closing the app. Document the scene with photos, collect contact information from all drivers and witnesses, and do not give a recorded statement to any insurance company without first consulting an attorney. Contact a rideshare accident lawyer immediately so they can send preservation demands for app data and digital evidence.
Rideshare accident victims can seek compensation for medical expenses (current and future), lost wages and diminished earning capacity, pain and suffering, emotional distress, property damage, and loss of enjoyment of life. The total recovery depends on the severity of your injuries, which insurance policies apply based on the driver’s app status, and whether the rideshare driver or another driver was at fault. An experienced attorney can identify and pursue all available sources — including stacking multiple policies to maximize your total compensation.
If the driver’s app was off (Period 0), Uber and Lyft provide zero coverage. The claim would go through the driver’s personal auto insurance. However, many personal auto policies exclude coverage when the vehicle has been used for commercial rideshare purposes, potentially creating a coverage gap. In this scenario, your own uninsured/underinsured motorist (UM/UIM) coverage may be your most important source of compensation. Jordan Law conducts a thorough review of every available policy to identify the best path to recovery.
Jordan Law handles rideshare accident cases on a contingency fee basis. You pay nothing upfront and owe no attorney fees unless we recover compensation for you. Given the insurance complexity of rideshare cases — where multiple policies and coverage tiers are in play — having an attorney involved from day one can make a significant difference in your total recovery. Consultations are always free.
The value of your case depends on your injuries and other losses, like medical bills and missed work.
Most cases settle outside of court, but if needed, we will take your case to trial to get you fair compensation.
Uber and Lyft have insurance that might cover your injuries, even if the other driver doesn’t have insurance.
In short, the best way to find a personal injury lawyer is to start with a list of attorneys in your area. You can create a list by going to Google, Avvo.com or calling your local bar organization. From there, research the attorneys. Use their website, look at their Google reviews, etc. Narrow down your list to the top three attorneys. Schedule free consultations with each and interview them. For more details read How To Find A Personal Injury Lawyer
At our firm, clients come first. We care about the individuals we represent and work hard so victims and their families can obtain the justice they deserve. Our team believes there is a direct correlation between our passion for what we do and our continued success in fighting for the rights of the injured. Our track record affirms this. We have proven our ability to win.
As our client, you can always rely on us to be available for your questions and concerns. We work very hard to give each case the nuanced advocacy required. Rather than overloading our attorneys with cases, we are selective so that we can be sure to give each case we accept the full attention it needs. Our firm is available to clients 24/7 throughout the duration of their case.
Our lead attorney is a member of the prestigious, invitation-only Million Dollar Advocates Forum® and has been named among The National Trial Lawyers: Top 40 Under 40. Our reputation in the profession only affirms what our clients already know: When it comes to fighting for the injured, Jordan Law is a team on which you can count.
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