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Who Is Responsible for an Uber or Lyft Accident?

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If you were injured in an Uber or Lyft accident, you might be wondering who should be held responsible. Rideshare accidents are more complicated than a regular car accident because it involves multiple parties. The Houston rideshare accident lawyers at Daspit Law Firm explain who is responsible for an Uber or Lyft accident.

Who Is Liable In a Rideshare Accident?

If you were injured by an Uber or Lyft driver, or injured as a rideshare passenger, you can file a claim to receive compensation for your damages. Since the driver was driving for money, filing a claim can get complicated. In most cases, a rideshare driver’s personal policy won’t cover your damages. Most insurance contracts will only cover damages when the vehicle is for personal use. Since the driver is driving for money, their insurance company will most likely deny the claim.

Thankfully, Uber and Lyft offer liability insurance for drivers when their insurance denies the claim. This means that you can hold Uber and Lyft financially responsible when their driver was driving negligently.

Uber & Lyft Car Insurance Policies

Below are the insurance coverage policies that Uber and Lyft offer to their drivers:

  • Period 0: If the Uber or Lyft driver wasn’t logged into the app when the accident occurred, Uber and Lyft won’t cover the damages.
  • Period 1: If the driver is logged into the app but hasn’t picked up a passenger, Uber and Lyft covers any accident that is the fault of the driver up to $50,000 per person injured. They also include $100,000 total injury liability per accident and $25,000 property damage liability.
  • Period 2: If the driver has accepted a trip and is on its way to pick up a driver, liability coverage is $1 million.
  • Period 3: If the passenger is in the car while the accident occurs, Uber and Lyft’s liability coverage is up to $1 million. They also offer limited coverage for property damage.

If you were injured in an Uber or Lyft driver, contact our Houston rideshare accident lawyer today at (888) 273-1045 to schedule a free consultation!

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At The Daspit Law Firm, Our Team of Attorneys Handles the Full Range of Personal Injury Cases, Including Car and Truck Accidents, Industrial Accidents, Construction Accidents, Maritime & Offshore Accidents, and Much More.


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