Hurt Advice: Rideshare Accidents (Uber, Lyft) in California—Your Options

TL;DR (Too Long; Didn't Read)

If you're injured in a rideshare accident involving Uber or Lyft in California, multiple insurance policies may apply depending on the driver's status at the time. Understanding which coverage applies is key to pursuing fair compensation.

Introduction

Rideshare services like Uber and Lyft have transformed transportation in California. But what happens when an accident occurs? Whether you're a passenger, another driver, or a pedestrian, rideshare accidents involve unique insurance considerations.

This guide provides general educational information about rideshare accident claims. It is not legal advice, and specific situations may vary.

Key Takeaways

• ✓Insurance coverage depends on the driver's app status at the time of the accident
• ✓Uber and Lyft provide up to $1 million in liability coverage during active rides
• ✓Passengers typically have the clearest path to compensation
• ✓Multiple parties may share fault in rideshare accidents
• ✓California law requires rideshare companies to maintain specific insurance levels

Understanding Driver "Periods"

The key to rideshare insurance is understanding the driver's status at the time of the accident:

Insurance Coverage Breakdown

During Periods 2 and 3, Uber and Lyft provide significant coverage:

• ✓$1 million third-party liability coverage
• ✓Uninsured/underinsured motorist coverage
• ✓Contingent collision and comprehensive (if driver has personal coverage)
• ✓Medical payments for passengers

During Period 1 (app on, waiting), coverage is more limited, and the driver's personal insurance may be primary.

Example Scenario 1: Passenger in Uber

Jennifer was a passenger in an Uber in San Francisco when another driver ran a stop sign and crashed into them. As a passenger during Period 3, she had access to Uber's $1 million liability policy. The at-fault driver's insurance was the primary source for her claim, with Uber's coverage available if needed. Jennifer documented her injuries and ultimately recovered compensation for her medical bills, lost wages, and pain and suffering.

Your Rights as a Passenger

As a rideshare passenger, you have the strongest position to seek compensation:

• ✓You are not at fault as a passenger
• ✓You can pursue claims against the rideshare driver, other drivers, or both
• ✓Rideshare company insurance applies during your ride
• ✓You may have your own uninsured motorist coverage as a backup

Example Scenario 2: Hit by a Lyft Driver

Marcus was crossing the street in Los Angeles when a Lyft driver who was en route to pick up a passenger (Period 2) hit him. Marcus was able to file a claim against Lyft's $1 million liability coverage. However, proving the driver's app status required obtaining records from Lyft, which his attorney requested through legal channels.

What to Do After a Rideshare Accident

• ✓Seek medical attention immediately
• ✓Call 911 and get a police report
• ✓Screenshot your ride details in the app (if you were a passenger)
• ✓Get the driver's name, license plate, and insurance info
• ✓Take photos of the scene, vehicles, and injuries
• ✓Get contact information from witnesses
• ✓Report the accident through the rideshare app
• ✓Don't give recorded statements without preparation

Common Challenges in Rideshare Claims

If the Rideshare Driver Was at Fault

If the Uber or Lyft driver caused the accident:

• ✓The driver's personal insurance may apply (depending on status)
• ✓Rideshare company insurance likely applies during Periods 1-3
• ✓You may need to file claims with multiple insurers
• ✓The rideshare company is typically not directly liable as an "employer"

If Another Driver Was at Fault

If someone other than the rideshare driver caused the accident:

• ✓The at-fault driver's insurance is primary
• ✓Rideshare company's UM/UIM coverage may apply if at-fault driver is uninsured
• ✓Your own insurance may provide additional coverage
• ✓You can pursue claims against all liable parties

Quick Checklist: After a Rideshare Accident

• ✓☐ Get medical attention (even if injuries seem minor)
• ✓☐ Call police and get a report
• ✓☐ Screenshot your ride information in the app
• ✓☐ Document the scene (photos, videos)
• ✓☐ Get driver and witness information
• ✓☐ Report the accident through the rideshare app
• ✓☐ Notify your own auto and health insurance
• ✓☐ Keep all medical records and bills
• ✓☐ Consider consulting with an attorney

Frequently Asked Questions

Next Steps

If you've been in a rideshare accident, learn more about protecting your claim:

• ✓Read our guide on what to do after an accident (/blog/what-to-do-after-accident-checklist)
• ✓Understand medical bill payment options (/blog/medical-bills-after-accident-who-pays)
• ✓Learn how to start your claim (/blog/how-to-start-injury-claim-right-way)
• ✓Contact Hurt Advice for help (/contact)
• ✓Visit our homepage for resources (/)

Disclaimer

This article is for general informational purposes only and is not legal advice. Rideshare accident claims involve complex insurance issues that vary based on specific facts. Consult with a qualified attorney for guidance on your particular situation. Hurt Advice provides information and resources but does not guarantee any specific outcome.