Rideshare services like Uber and Lyft have become a convenient part of daily life. But just like any other vehicle on the road, they can be involved in accidents.
If you’re a passenger in an Uber or Lyft and get injured in a crash, you may have questions:
- Who pays for my medical bills?
- Do I sue the driver, the company, or someone else?
- What steps should I take right away?
Below, our friends from Mickey Keenan P.A. provide a clear guide on what to do after a rideshare accident so you can protect your health, your rights, and your potential claim.
Get Medical Help Immediately
Your first priority should be your safety and well-being. Even if you feel okay after the accident, it’s best to:
- Call 911 or have someone do it for you.
- Get checked by emergency responders at the scene.
- Follow up with a doctor within 24–48 hours.
Some injuries, like concussions or internal injuries, don’t show symptoms right away. Having a medical record also strengthens any future claim.
Document The Accident
As a passenger, you may not know exactly what happened, but you can still gather valuable evidence:
- Take photos of the scene, vehicle damage, and any visible injuries.
- Screenshot your ride details from the Uber or Lyft app, including the driver’s name, license plate, and trip route.
- Get contact information from the driver, other drivers involved, and witnesses.
- Note the police report number so you can request a copy later.
Report The Accident To Uber Or Lyft
Both Uber and Lyft require passengers to report accidents through their apps or websites.
- Go to your ride history in the app and find the trip.
- Select the option to report an accident.
- Provide basic details but avoid making statements about fault until you’ve spoken with an attorney.
Understand Rideshare Insurance Coverage
Uber and Lyft provide insurance for passengers when a ride is in progress, but the coverage depends on the situation.
If the rideshare driver is at fault:
- Uber and Lyft offer up to $1 million in liability coverage for passenger injuries while the trip is active (from the time you’re picked up until drop-off).
If another driver is at fault:
- That driver’s insurance should cover your damages. If they’re uninsured or underinsured, Uber and Lyft provide uninsured/underinsured motorist coverage.
If multiple parties share fault:
- Claims may be made against more than one insurance policy.
When The Insurance Company Calls
Insurance adjusters — whether from Uber, Lyft, or another driver — may contact you quickly. Be cautious:
- Stick to the facts (date, time, location) but avoid giving recorded statements until you speak with a lawyer.
- Don’t discuss your injuries in detail until you’ve been evaluated by a medical professional.
- Never accept a settlement offer without legal advice — it may be much less than you deserve.
Common Injuries In Rideshare Accidents
- Passengers in rideshare vehicles can suffer a range of injuries, including:
- Whiplash and neck injuries
- Back injuries and herniated discs
- Broken bones
- Concussions and traumatic brain injuries (TBIs)
- Cuts, bruises, and soft tissue damage
- Even minor accidents can lead to lasting pain or mobility issues.
- Potential Compensation
- If you’re injured as a rideshare passenger, you may be entitled to damages such as:
- Medical bills (past and future)
- Lost wages if you miss work
- Pain and suffering
- Emotional distress
- Rehabilitation and therapy costs
The exact amount depends on the severity of your injuries, the impact on your life, and the insurance coverage available.
Real-Life Example
Imagine you’re riding in an Uber when another driver runs a red light and hits your car. You suffer a concussion and a broken wrist.
The at-fault driver’s insurance should cover your damages.
If that driver is uninsured, Uber’s uninsured motorist coverage would apply.
You could pursue compensation for your medical bills, time off work, and pain and suffering.
Why You Should Contact A Lawyer
Rideshare accident claims can be complicated because they may involve:
- Multiple insurance policies
- Disputes over fault
- Corporate claims teams with aggressive tactics
A personal injury lawyer can:
- Investigate the crash and determine who’s liable
- Handle all communication with insurers
- Negotiate for full and fair compensation
- Take your case to court if necessary
Being injured in an Uber or Lyft accident can leave you with medical bills, missed work, and a lot of questions. The good news is that you have legal protections, and rideshare companies provide significant insurance coverage for passengers!
The key is to act quickly: get medical help, document everything, report the accident, and speak with a car accident lawyer before dealing with insurance companies. With the right support, you can focus on your recovery while someone fights for the compensation you deserve.