TL;DR: Uber and Lyft have multi-tiered insurance coverage that depends on the driver’s app status. If you’re injured in a rideshare accident, you may be covered by up to $1 million in liability insurance—but only under certain conditions. This FAQ covers everything you need to know, from compensation limits to what to do right after the crash.
Do Uber and Lyft have insurance for injured passengers?
Yes. Both companies provide $1 million in liability coverage if the driver is transporting a passenger or is en route to pick one up. If the app is on but the driver hasn’t accepted a ride, lower coverage applies. No coverage is available when the app is off.
What if I was a passenger in another car hit by an Uber or Lyft?
You may still qualify for a claim against the rideshare company’s policy. The level of coverage depends on the app’s status at the time of the crash. Your own auto insurance or the at-fault driver’s policy may also come into play.
How much compensation can I expect?
It varies. Some claims settle for under $50,000, while others—especially involving serious injuries—exceed six figures. Factors include medical bills, lost wages, pain and suffering, and how clearly the rideshare driver was at fault.
Pro Tip: Insurance companies often offer 10% of your claim’s value within days. This is a strategy to reduce their payout. Don’t sign anything without legal advice.
What if I was partially at fault?
California follows a comparative negligence rule. You can still recover damages, but your compensation is reduced by your percentage of fault. An experienced rideshare injury lawyer can fight to limit your assigned blame.
How long do I have to file a claim?
California’s statute of limitations for personal injury claims is generally two years from the date of the accident. If you wait too long, you lose your right to sue. Don’t delay.
What should I do right after a rideshare accident?
- Call 911 and request medical attention
- Take photos of the vehicles, injuries, and scene
- Get driver and witness information
- Request a copy of the police report
- Contact a rideshare accident attorney
Will I have to go to court?
Probably not. Most cases settle out of court. But if the insurance company denies liability or offers a lowball settlement, a skilled trial attorney can escalate the case.
Do I pay anything upfront?
No. At West Coast Trial Lawyers, we work on a contingency fee basis. That means we don’t get paid unless you do.
Can I contact you 24/7?
Absolutely. Our team is available 24/7, and you’ll speak with a real attorney—not a call center. We treat you like a person, not a file number.
Don’t let confusion or pressure from insurers sabotage your rights. Contact West Coast Trial Lawyers today and speak with a rideshare injury attorney who’s recovered over $1.5 billion for clients across California.
