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Your Guide to Uber and Lyft Car Accident Insurance

Published in Rideshare Accidents on September 15, 2023

Reading Time: 3 minutes

Ordering an Uber or Lyft to get from one destination to another is extremely commonplace today. Whether you need a ride home after a couple of drinks or are just looking for a lift to the airport, having someone come and pick you up can be extraordinarily convenient and safe. However, as with any mode of transportation, your rideshare car runs the same risk as any other, and a crash may occur. 

When you are in an accident due to a driver’s negligence, what are your rights as a paying passenger? Both Uber and Lyft have insurance specifically in the case of an accident, and with the help of a dedicated attorney, you can recover compensation for your damages. Sweeney Merrigan Personal Injury Lawyers is here to help our clients navigate the often overwhelming claims process and get them one step closer to the justice they deserve. To speak to a dedicated attorney today, please call us at (617) 391-9001 or use our contact form

Whose Insurance Covers the Car Accident? 

After a personal injury accident, you are entitled to file a claim against the at-fault party’s insurance company. In the case of a rideshare accident, there are many potential options regarding whose insurance will cover the damages. Most popular rideshare applications, like Uber and Lyft, require their drivers to carry personal insurance coverage. They also may offer some commercial car insurance coverage, too. For a better understanding of whose insurance will likely be covering the cost of your accident, we’ve broken it down into two potential options: 

If the Rideshare Driver Is at Fault

If a rideshare driver is actively working when the accident occurs and they are at fault for the accident, the rideshare companies will provide up to 1 million dollars in liability insurance coverage. 

Your attorney can help you reach out to the rideshare company to file an official report and guide you through the process of seeking compensation for your injuries. 

If the Other Driver Is at Fault

If the other driver is at-fault while you are in a rideshare, then you will proceed with your personal injury claim as usual. Your attorney can help you gather evidence and file your claim in adherence to Massachusetts’ statute of limitations. From there, your attorney and the insurance company will negotiate an appropriate settlement that reflects your injuries and losses. 

Can You Sue the Rideshare Company? 

When the driver’s personal insurance is not enough to cover the aftermath of your accident, you may be able to pursue the rideshare company. If the driver was particularly careless, you may also have a case. For example, if that particular driver has had many safety complaints before the accident or has a low rating, your attorney may find the rideshare company negligent for keeping them on staff. 

For specific questions about your rideshare accident and your next course of action, contact our today. 

Injured in a Rideshare Car Accident? Consult a Distinguished Attorney Today

Nobody’s commute should be disrupted by the negligence of another driver and result in an accident. If you are currently facing the aftermath of a rideshare accident, don’t do so alone and partner with a dedicated attorney from Sweeney Merrigan Personal Injury Lawyers today. Our team possesses the compassion and knowledge necessary to get you the results you deserve after your injuries. 

One of our partners, Victoria Santoro Mair, specializes in rideshare accident claims and was interviewed for the American Bar Association “Insider TIPS” podcast. To partner with an award-winning attorney and receive a free consultation today, call our office at (617) 391-9001 or complete our contact form.

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