Uber & Lyft Accident Attorneys

Rideshare insurance works in phases: app off (personal policy only), app on but no ride accepted (limited coverage), en route to pickup (up to $1M), and passenger in vehicle (up to $1M plus contingent comprehensive/collision). Which phase applied at the moment of the crash controls how much coverage exists.

You can be a passenger, another driver, a pedestrian, or a cyclist and still have a rideshare claim. Uber and Lyft argue their drivers are independent contractors, not employees — but their $1M policies typically apply regardless during active trips.

The companies routinely try to route claims to the driver's personal policy first, which usually denies coverage for commercial use. We know the phases, the endorsements, and the arguments used to deny — and how to defeat them.

Damages available include medical bills, ongoing treatment, lost wages, and pain and suffering. In cases involving app malfunction, driver background-check failures, or known dangerous drivers, claims may extend to the companies themselves.