Law/Our blog/Ridesharing and Car Accidents

Ridesharing and Car Accidents


Ridesharing services like Uberpool and Lyft are a pretty popular way to get around. According to surveys, the ridesharing industry will reportedly have a market value of over $220 by 2025. However, this increasing popularity is no surprise, as ridesharing services are convenient and cheap. 

However, while convenient, ridesharing services are not all sunshine and rainbows. Like any other driver, ridesharing drivers can also get into accidents, and when they do, it can be quite confusing for the victim. If you’ve recently been injured in a ridesharing accident, you’re in good company. This article discusses what you need to know about ridesharing accidents to know how to figure out the right approach. 

Why Ridesharing Accidents are Unique 

When one is involved in an ordinary road accident, the steps to take afterward are usually pretty straightforward. However, determining liability when you are involved in a ridesharing accident as the passenger can be a little complex because; 

Rideshare Drivers are Under Contract 

In their statements, leading rideshare companies, Uber and Lyft, boldly claim they are not taxi services, but platforms that help match people who need a ride with willing drivers.  In respect to that, these companies consider any driver who uses their apps are independent contractors instead of employees. What this means is that they cannot be held fully responsible for the Driver’s actions. 

Drivers Use Their Vehicles 

What makes ridesharing accidents even more complex is that the drivers use their vehicles to offer rides and not Uber’s or Lyft vehicles. Thanks to this, the Uber driver’s first line of defense when an accident does occur is their personal insurance cover. They could also use a special ridesharing insurance coverage, which, unfortunately, only 23% have purchased.

Who pays for the Crash if the Driver has No Personal or Ridesharing Insurance Cover?

Both Uber and Lyft offer insurance coverage for both passengers and drivers. However, the coverage level varies based on the Driver’s app activity in the event of the crash. Their policies are divided into periods as highlighted below;

Period 0: Offline 

If the Driver is a registered Uber or Lyft user, but in the event of the crash they were offline, the company offers no coverage. 

Period 1: Waiting Period 

If during the crash, the Driver had their app on and actively looking for a passenger, both Uber and Lyft offer a third party liability coverage. If the driver is at fault, the company covers all the damages and losses but will not cover the Driver. Uber usually offers $25,000 in property damage liability, $50,000 in injury, and $100,000 total liability per accident. 

Period 2: En-route

Period 2 is when the Driver has been matched with a passenger and is on their way to pick them up. If an accident happens during this time, both companies offer a million in total liability. They also provide contingent collision for the Driver’s vehicle. 

Period 3: Picked Passenger

Phase 3 begins after the Driver picks the passenger. During this period, the Driver gets $1million uninsured motorist liability, and if they had collision protection on their personal insurance policy, they’ll also get collision protection. The passenger receives $1million in total liability and $1 million motorist injury liability. 

Contact the Experts Today 

Being involved in an accident is stressful by itself. Add in having to navigate the complexities of a rideshare accident, and it can be easily overwhelming for you. The good news is that you don’t have to do it all alone. 

At RS Law Offices, our team of trusted rideshare attorneys has been helping those injured in such accidents pursue the compensation they deserve. We recognize how overwhelming it can be and the negative impact it can have on your life. Call us today and schedule an obligation free consultation. 


You might like

Workman’s Compensation — When to Hire an Attorney

Workman’s Compensation is a right for all employees in California. It seems like a simple idea, and one designed with the workers’ best interests in mind. The truth, unfortunately, can be a lot more complicated than that. Avoid learning this lesson out the hard way by hiring a qualified attorney as soon as you are […]

Read more

Involved In A Car Accident? Here’s Why You Should Engage a Car Accident Lawyer

It is never easy to live a normal life after surviving the horrors of a severe car wreck. In the United States alone, millions of individuals get injured in car accidents every year.  According to research, most of these disasters are caused by several factors that include speeding, inattentive driving, inexperienced driving, reckless driving, and […]

Read more

Common Causes for Tractor Trailer Accidents

There’s a good reason tractor trailers require a specialty license to operate them. They’re big, fast, heavy, and – in the wrong conditions – incredibly dangerous. It is estimated that 3.5 percent of all automobileaccidents each year involve tractor trailers. Around 4,600 of these result in some sort of fatality. This can be due to […]

Read more

Workman’s Compensation — Beyond Physical Accidents

Every year in California, we see workman’s compensation claims that stem from traumatic injuries, accidents, and even accumulative physical strain. But what about the more subtle effects that can harm employees over time? Let’s take a look at toxic exposure in the workplace and what it means for you as an employee. If we are […]

Read more

Five Apps for Bicyclists

Bicycle accidents happen all the time in the United States, and practicing bicycle safety is relatively simple – it just involves a lot of mindful riding and the safest possible equipment. Another part of safe bicycle riding is making sure you have your routes planned out and, in the case of an emergency, it doesn’t […]

Read more

The Car Crash and the Headache

As we slip into the cooler months, and there is more possibility of rain, it is important to keep safe on the road. Accidents happen, especially when it is raining out there in the desert. You know how to be safe – taking extra time on slippery surfaces, making sure you have your car inspected […]

Read more

Top 5 Causes of Pedestrian Accidents

A vehicle hitting a pedestrian can be termed one of the most traumatic accidents one could ever experience. Yet, it happens so regularly. According to the CDC, over 5,000 pedestrians die in car accidents annually, while an estimated 137,000 others visit the ER for non-fatal accidents. This makes one wonder, what spurs pedestrian accidents? Read […]

Read more

Winter Rideshare Safety Tips

Winter driving is no joke in general. Everyone needs to slow down and be sure to take the proper winter driving precautions, but if you drive a rideshare, your point-to-point driving makes you more vulnerable to getting in an accident than if you were simply driving to and from work. Add to this the dangers […]

Read more

Slip and Falls in Private Homes

Slips and falls are serious anywhere, but if you concentrate just on occurrences in private homes, an arresting statistic jumps out right away- falls are responsible for 50% of all accidental deaths in the home. Let’s take a look at two of the top causes of a slip and fall in a private home. We […]

Read more

Motorcycle Safety Tips for Cold Weather

Driving any vehicle in cold weather and especially snow is going to make for a much more difficult time than driving in dry, comfortable weather. With enough preparation and all of the right gear, it is possible to mitigate many of these problems, but without them, you run the risk of a deadly accident. Before […]

Read more

contact form

Get in touch