What Do I Do If I'm Hit by an Uber/Lyft Driver?

Insurance Coverage for Uber/Lyft Drivers:

Just like accidents involving other vehicles, the responsible party’s insurance should cover your damages. However, when the at-fault driver is working for Uber or Lyft, the rideshare company’s insurance may also be involved. The key factor is whether the driver was logged into the app and actively working at the time of the crash.

1. Logged Off: If the driver was not logged into the app, their personal auto insurance policy will apply.
2. Logged In Without a Passenger: If the driver was waiting for a ride request, Uber and Lyft provide limited liability coverage.
3. En Route to a Passenger or During a Ride: Once a ride is accepted or the passenger is in the car, both Uber and Lyft provide up to $1 million in third-party liability coverage. There is also potential uninsured/underinsured motorist protection depending on your state.

Steps to Take After an Accident:

1. Call the Police: File an official accident report, which will be crucial for your insurance claim.
2. Gather Information: Get the driver’s information, including whether they were logged into the rideshare app. If possible, take screenshots of the app’s status on their phone.
3. Document the Scene: Take photos and videos of the damage, the scene, and any visible injuries.
4. Seek Medical Attention: Get medical treatment immediately, as some injuries may not be apparent right away.
5. Consult a Personal Injury Attorney: An experienced attorney can help you navigate the claims process and ensure you receive compensation for medical bills, lost wages, and pain and suffering.