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If the driver’s app was off, they were operating as a private individual. Only their personal auto insurance applies. Uber and Lyft provide no coverage in this scenario.
The driver is logged in and waiting for a request. Both Uber and Lyft provide limited liability coverage in this phase, typically $50,000 per person and $100,000 per accident, but only if the driver’s personal insurance does not apply first.
This is when the highest coverage kicks in. Both Uber and Lyft maintain up to $1 million in liability coverage while the driver is en route to a rider or has a passenger in the vehicle. This is also when most serious accidents occur.
Rideshare accidents cause the same range of injuries as any serious vehicle crash.
Not sure if your injuries are serious enough to pursue a claim? Contact us today. We’ll evaluate your situation at no cost.
We address the practical needs first: transportation, property damage, and access to medical care.
We determine which insurance policies apply based on the driver’s trip phase at the time of the crash and identify every available source of recovery.
We preserve the ride receipt, GPS data, driver history, police reports, witness accounts, and any available camera footage.
We work with your providers to fully document your injuries and their long-term impact.
We deal directly with Uber, Lyft, and their insurers on your behalf. We give honest assessments of offers and pursue the best possible outcome.
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Uber and Lyft classify their drivers as independent contractors, which generally shields the platforms from direct liability for driver negligence.
However, their commercial insurance policies still apply when a driver is active on the app. In certain cases involving negligent hiring or supervision, direct claims against the platform may be possible. We evaluate this on a case-by-case basis.
If another driver caused the crash, you can pursue a claim against that driver. If they’re uninsured or underinsured, Uber and Lyft’s uninsured motorist coverage may also apply. We identify every available source of compensation.
If the app was off at the time of the accident, the rideshare platform’s insurance does not apply. The driver’s personal auto insurance is the relevant policy. We investigate the trip status thoroughly and pursue appropriate claims.
Florida’s personal injury statute of limitations is generally two years, Georgia allows four years, and Maryland allows three years for most personal injury claims. Do not wait. Evidence and witness recollections fade quickly and are important to gather early.
