What Happens If You’re Injured in an Uber or Lyft Accident?

Rideshare services like Uber, Lyft, and Alto have changed the way we travel. But with more rideshare vehicles on the road, the risk of being involved in a rideshare accident has grown. Whether you were a passenger, another driver, or a pedestrian, knowing your rights after a rideshare-related crash is critical.

At Mahdavi Law Firm, we help victims navigate the confusing legal and insurance issues that come with Uber and Lyft accidents across Texas. In this post, we explain how these cases work—and how to get the compensation you deserve.

Who’s Liable in a Rideshare Accident?

Liability in a rideshare accident depends on who caused the crash and what the rideshare driver was doing at the time. Uber and Lyft drivers are classified as independent contractors, not employees, which complicates insurance coverage.

Here’s a breakdown of insurance coverage based on the driver’s status:

1. App Off:

The driver is not logged into the app. Only their personal auto insurance applies.

2. App On, No Ride Accepted:

The driver is waiting for a request. Uber and Lyft provide limited liability coverage (usually up to $50,000 per person and $100,000 per accident).

3. En Route or Transporting Passenger:

The driver has accepted a trip or has a passenger. Uber and Lyft offer up to $1 million in liability coverage.

What If You’re a Passenger?

If you were injured while riding in an Uber or Lyft, you’re covered under the company’s $1 million policy, regardless of who caused the crash. This means you may be able to pursue a claim against:

• The Uber/Lyft driver’s rideshare policy
• Another driver’s auto insurance (if they were at fault)
• Your own uninsured/underinsured motorist coverage (if needed)

It’s important not to rely on Uber or Lyft to guide you—they’re focused on limiting liability, not helping you get compensated.

What If You Were Another Driver or Pedestrian?

If you were hit by a rideshare vehicle, you can still pursue compensation. Coverage depends on the driver’s app status at the time of the crash. Your attorney can help determine whether to file a claim against the driver’s personal insurance or Uber/Lyft’s commercial policy.

Damages You May Be Entitled To

You may be eligible to recover compensation for:

• Emergency and ongoing medical expenses
• Lost income and reduced future earning capacity
• Pain and suffering
• Property damage (e.g., vehicle repair)
• Permanent disability or disfigurement

Why You Need a Rideshare Accident Lawyer

Rideshare cases involve multiple insurance policies, app data, corporate lawyers, and confusing liability issues. At Mahdavi Law Firm, we:

• Investigate who was at fault and when
• Access rideshare app records and crash reports
• Handle all negotiations with Uber/Lyft and their insurers
• Fight for full and fair compensation

We’re here to guide you through it—all the way to resolution.