I was in a California Uber accident. What are my next steps?

Shawn Lalezary

Answered by:
Shawn Lalezary

Located in Beverly Hills, CA
Lalezary Law Firm, LLP

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If you were injured in an Uber (or Lyft) accident in California, you do have legal rights. As with other types of motor vehicle accidents, you have the right to pursue compensation for any injuries or losses caused by another person’s negligence. 

However, rideshare accidents are a bit more complex than the average car crash, simply because of the way the insurance policies apply. Here is what you need to know about the insurance coverage and how it may apply to a passenger, bystander or driver: 

If You Were A Passenger 

If you were an Uber passenger injured in the course of your ride, you are theoretically entitled to up to $1 million in insurance coverage.

If You Were A Bystander

If you were a bystander (such as a pedestrian or cyclist) who was hit by an Uber driver, insurance coverage becomes a little more complex. Essentially, it depends on whether the Uber driver:

  1. Had his or her app turned on and was waiting for a ride request
  2. Was on the way to pick up a passenger
  3. Was actually giving a ride to a passenger at the time of the accident

If, at the time of the accident, the driver was giving a ride to a passenger, or on the way to pick up a fare, then you are likely entitled to up to $1 million in coverage. If the driver was between fares but had the app on, then you may receive up to $50,000 in coverage. However, if the app was off and the driver wasn't on duty, you will have to seek restitution through his or her personal auto insurance policy or through your own uninsured or underinsured motorists (UM/UIM) coverage.

If You Were The Uber Driver

If you were the Uber driver, your insurance coverage will depend on what part of the ride-sharing process you were involved in at the time of the accident:

  1. If your app was off, you will not be entitled to insurance coverage from Uber. You will have to rely on your own insurance policy.
  2. If your app was on but you had no ride request, you will qualify for limited liability coverage from Uber.
  3. If you were on the way to pick up a fare, or you were actively transporting a passenger at the time, you are entitled to full insurance coverage from Uber – which includes liability, collision, comprehensive and UM/UIM coverage.

For more information please visit our website for Uber Accidents and Lyft Accidents

Whether you were a passenger, bystander or driver, the odds are that you will need help navigating the complexities of insurance coverage and personal injury claims. Don’t be afraid to reach out to a lawyer to learn more about your rights and options. At my firm, we offer free initial consultations. Call 888-401-0508 to speak with an experienced Uber accident lawyer now.

Disclaimer: The answer is intended to be for informational purposes only. It should not be relied on as legal advice, nor construed as a form of attorney-client relationship.

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