Rideshare services like Uber and Lyft have become a major part of daily transportation, offering convenience and affordability to millions. But as these services grow, so does the risk of accidents. If you’re injured in a rideshare crash, the question becomes: Who pays for your medical bills, lost wages, and other damages?
Unlike traditional car accidents, rideshare collisions involve multiple parties—drivers, passengers, rideshare companies, and other motorists. And while Uber and Lyft provide insurance coverage, whether they pay for your injuries depends on what the driver was doing at the time of the crash.
Understanding rideshare accident liability in 2025 is crucial if you want to recover compensation. This guide breaks down who is responsible, when Uber or Lyft’s insurance applies, and the steps you need to take to protect your claim.
Understanding Rideshare Accident Liability in 2025
Rideshare accident liability can be complicated because these companies classify their drivers as independent contractors rather than employees. This classification limits Uber and Lyft’s legal responsibility in accidents. However, rideshare companies still provide insurance coverage under specific conditions, and determining liability depends on what stage of the ride the driver was in at the time of the crash.
There are typically three key periods when a rideshare accident can occur:
- The driver is offline – If the driver isn’t using the rideshare app, they are considered a private driver. In this case, their personal auto insurance is responsible for covering any accidents. Uber and Lyft’s insurance policies do not apply.
- The driver is online and waiting for a ride request – If the driver is actively on the app but hasn’t accepted a ride yet, Uber and Lyft offer limited liability coverage in case their personal insurance does not apply. This typically covers up to $50,000 per person for injuries and $100,000 per accident.
- The driver has accepted a ride or is actively transporting a passenger – This is when Uber and Lyft provide their highest level of coverage, which includes up to $1 million in liability insurance, uninsured motorist coverage, and contingent collision coverage.
Understanding where the driver was in this process is key to determining who is responsible for your injuries and which insurance policy applies.
When Uber or Lyft’s Insurance Covers Your Injuries
As mentioned earlier, Uber and Lyft provide up to $1 million in coverage when a rideshare driver is carrying a passenger or en route to pick one up. If you're injured during this time—whether as a passenger, pedestrian, or another driver—you may be covered under this policy.
Here’s what their insurance typically covers:
- Medical expenses for injuries sustained in the crash
- Lost wages if your injuries prevent you from working
- Pain and suffering caused by the accident
- Property damage if your vehicle was involved
However, getting compensation isn’t always straightforward. Insurance companies often try to minimize payouts by disputing liability, arguing over medical expenses, or claiming your injuries aren’t as severe as you say. That’s why it’s essential to gather strong evidence and consider speaking with a skilled personal injury attorney if you’re struggling to get fair compensation.
When the Rideshare Driver (or Another Driver) Is Responsible
In some cases, the rideshare driver or another motorist may be responsible for the accident. If the rideshare driver was not actively on the app, their personal insurance policy applies, meaning you’ll have to file a claim against them just like in any other car accident.
Similarly, if another driver caused the crash—whether you were in an Uber or Lyft or driving your own car—you would pursue a claim against that driver’s insurance policy. If they are uninsured or underinsured, Uber and Lyft’s uninsured motorist coverage may apply (but only if you were a passenger at the time of the accident).
This is why determining fault is crucial. If liability is unclear, insurance companies may try to deny your claim, leaving you responsible for your own expenses. Working with a personal injury lawyer can help ensure that the right party is held accountable and that you receive the compensation you deserve.
Steps to Take After a Rideshare Accident to Protect Your Claim
After a rideshare accident, taking the right steps can make or break your injury claim. Here’s what you should do to protect yourself:
1. Seek Medical Attention Immediately
Even if you feel fine, some injuries don’t show symptoms right away. Adrenaline can mask pain, and internal injuries might not be obvious. Seeing a doctor ensures your injuries are documented, which is crucial when filing an insurance claim.
2. Report the Accident to the Police
Call 911 and request a police report. An official accident report provides key details about what happened, who was involved, and whether any traffic laws were violated. This can serve as critical evidence when proving fault.
3. Gather Evidence at the Scene
If you're able, take photos and videos of the accident scene, including:
- Vehicle damage
- License plates
- Road conditions
- Traffic signs/signals
- Any visible injuries
Also, get contact information from all drivers, passengers, and witnesses. This information can be essential when filing a claim.
4. Report the Crash to Uber or Lyft
Both Uber and Lyft have in-app accident reporting features. Report the accident as soon as possible so they can begin their insurance process. Delaying this step could hurt your claim because it may raise questions about the accuracy of your account, lead to disputes over fault, or result in missed deadlines for filing claims.
5. Speak with a Personal Injury Lawyer Before Accepting a Settlement
Insurance companies may offer a lowball settlement hoping you’ll accept before understanding the full extent of your injuries. A personal injury lawyer can help you calculate your actual damages and negotiate a fair settlement.
How a Personal Injury Attorney Can Help You Get Compensation
Rideshare accident claims can be complex, and insurance companies often try to reduce payouts. A personal injury attorney from Smolich and Smolich can help by:
- Determining liability and identifying which insurance policies apply
- Handling all communication with Uber or Lyft, and their insurers
- Gathering strong evidence to support your claim
- Negotiating a fair settlement that covers medical bills, lost wages, and pain and suffering
- Taking your case to court if the insurance company refuses to pay
If you’ve been injured in a rideshare accident, don’t wait—reach out to a personal injury attorney now to protect your rights and get the compensation you need to move forward.
Overall, rideshare accidents in 2025 present unique challenges, but knowing your rights and taking the right steps can help you get the compensation you deserve. Whether Uber or Lyft’s insurance applies or another driver is at fault, understanding liability is key. And if the insurance companies push back, a personal injury lawyer can fight for the maximum payout you’re entitled to.
Without legal help, you risk settling for less than you deserve. Call us at (916) 571-0400 or fill out our online form to book a consultation.