Rideshare accidents involve layers of insurance coverage that can be genuinely confusing — and rideshare companies design it that way. Whether the driver was logged off, waiting for a ride request, or actively transporting you at the time of the crash determines which policy applies and how much coverage is available. Gregory S. Young Co., LPA untangles the insurance puzzle and fights for the maximum compensation available.
How We Help You
- Determining which insurance period applies (offline, available, en route, or with passenger)
- Pursuing Uber or Lyft's $1 million commercial liability policy when applicable
- Filing claims against the driver's personal insurance when the app was inactive
- Handling both passenger and third-party rideshare claims
- Documenting injuries, the trip record, and preserving app data
- Negotiating with multiple insurers simultaneously
What To Do After Your Injury
- Document the Ride
Screenshot your ride receipt immediately. It contains the time, driver information, and route — all essential evidence.
- Get Medical Care
Even a low-speed rideshare crash can cause significant whiplash and soft tissue injuries. See a doctor the same day.
- Report the Accident Through the App
Both Uber and Lyft have in-app accident reporting. Report it — this creates a record with the company.
- Call an Attorney Before Dealing With Insurance
Multiple insurers are involved. An attorney ensures you pursue the right policy.
Injured? Talk to a Rideshare Injury Attorneys Today
Free consultations are available around the clock. No upfront costs — we only get paid when you do.
- No fee unless we win
- Free consultations 24/7
- Serving Ohio & Kentucky since 1958
Frequently Asked Questions
Does Uber or Lyft have to pay if their driver caused an accident?
It depends on the 'period.' Period 3 (driver actively transporting a passenger): Uber/Lyft's $1M commercial policy applies. Period 2 (en route to pick up): $1M applies. Period 1 (app on, waiting): $50,000/$100,000 applies. Period 0 (app off): only the driver's personal insurance applies.
What if I was injured as a passenger in a rideshare vehicle?
As a passenger, you are in the most protected position. Uber and Lyft's commercial policies cover passengers during periods 2 and 3. You can potentially recover from both the rideshare company's policy and the at-fault driver's policy.