You’re riding in an Uber or Lyft, minding your own business—and then BAM. A wreck happens.
You weren’t driving. You weren’t at fault. But now you’re hurt and not sure who’s supposed to pay for your injuries. Let’s break it down.
Who’s Responsible for Your Injuries?
If you’re a passenger, you’re almost never at fault—which means you likely have a right to compensation.
The question becomes: Whose insurance is responsible?
- If the rideshare driver caused the wreck, their rideshare coverage applies.
- If another driver caused it, their insurance should cover your damages.
- If fault is disputed, multiple insurance policies may be involved.
Rideshare Companies Carry Special Insurance
Both Uber and Lyft carry commercial insurance coverage that kicks in during active rides. That includes:
- At least $1 million in liability coverage
- Coverage for uninsured/underinsured drivers
- Protection for passengers who are hurt during a ride
This policy is in addition to the driver’s personal auto insurance. That’s good news—because there’s more coverage available for your injuries.
What If Both Drivers Blame Each Other?
This happens more often than you think. If there’s a dispute over fault, you might need to file claims with both insurance companies. That’s where having an attorney comes in—we can coordinate the process, gather evidence, and make sure you don’t get caught in the middle of a finger-pointing match.
Can I Still Get My Medical Bills Paid?
Yes. As a passenger, you can typically recover damages, like medical expenses, lost wages, pain and suffering, and other related losses. Even if no one is “clearly” at fault yet, you still have the right to get checked out and start treatment.
What You Should Remember Being in a rideshare accident can be confusing—but your rights are clear. You weren’t driving, and you shouldn’t be left dealing with the aftermath alone.
Were You Injured During A Crash While Riding In An Uber or Lyft?
If you were hurt while riding in an Uber or Lyft, contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. We’ll help you figure out who’s responsible and make sure you get the care and compensation you deserve.
Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Madisonville, Goodbee, Hammond, Lacombe, Pearl River, and Slidell.