Being injured as a rideshare passenger can be both physically painful and legally complex. Whether you were hurt during a Lyft ride or in an Uber crash, you’re likely wondering who is responsible, how insurance policies work in these situations, and what your next steps should be. At Crowell Law Offices, we understand how overwhelming it is to face mounting medical bills, missed work, and emotional distress—all while trying to make sense of your rights.
This guide explains exactly what to do after a rideshare accident, how to protect yourself legally and financially, and how our team can help you seek fair compensation.
Immediate Steps to Take After a Rideshare Accident
If you’re a rideshare passenger injured in an accident, your actions immediately following the incident can significantly affect your ability to recover compensation later.
1. Prioritize Medical Attention
Your health comes first. Even if your injuries seem minor or invisible at first, always seek medical attention. Some symptoms—like internal injuries, whiplash, or concussions—may not show up until hours or days later. Prompt medical care also helps document your condition, supporting your case when filing rideshare accident claims.
2. Document the Accident Scene
Take photos of the accident scene, visible injuries, vehicle damage, and road conditions. If there were multiple parties involved, including another driver or a pedestrian, get their names and contact information. Your documentation can be critical if the insurance company denies your claim or disputes liability.
3. Report the Incident
Use the rideshare company’s app to report the crash. Whether you were in a Lyft accident or an Uber crash, both companies have in-app reporting features. Include all known details: the location, time, name of the rideshare driver, and any injuries sustained. This will help establish a paper trail for your case.
Understanding Liability in a Rideshare Crash
Rideshare accidents are more complicated than regular car accidents. That’s because rideshare drivers are typically classified as independent contractors, and liability coverage depends on what the driver was doing at the time of the accident.
When the Ride Request Is Active
If the Uber or Lyft driver had already accepted a ride request and you were the passenger, then the rideshare company’s insurance policy typically applies. In California, this includes up to $1 million in automobile liability coverage for bodily injury, property damage, and uninsured motorist coverage.
When the Driver Was Waiting for a Ride
If the rideshare driver was logged into the app but had not accepted a ride request yet, limited coverage applies—often less than when the passenger is already in the car.
Insurance Coverage: Whose Policy Applies?
One of the most confusing parts of rideshare accident claims is figuring out which insurance policies are responsible. Here’s a quick breakdown:
- Rideshare company’s insurance policy: Offers liability coverage when the driver is on the clock.
- Uber and Lyft driver’s personal insurance: May provide coverage if the driver was not actively engaged in a ride.
- Other driver’s insurance: If another at fault driver caused the accident, their insurance could be liable.
- Your own insurance coverage: If you carry personal insurance with uninsured motorist coverage, this may apply as well.
Because multiple insurance companies may be involved, determining which policy provides the right coverage can be tricky—especially if one of the companies tries to deny claims or delay payment.
Challenges in Rideshare Accident Claims
Dealing with the legal process of a rideshare injury claim is rarely straightforward. The following hurdles are common:
1. Disputes Over Liability
It’s not always clear who caused the accident. Was it your Lyft driver? Another vehicle? A mechanical failure? When multiple parties are involved, each insurance company may try to shift blame.
2. Delays and Denials
It’s not unusual for an insurance company to minimize injuries or outright deny claims. When that happens, having a personal injury attorney on your side becomes crucial to protect your rights and help you pursue legal action if necessary.
3. Insufficient Coverage
Depending on the status of the ride and the driver’s activity, the coverage provided by the rideshare company may not fully cover all your medical expenses, lost wages, or future expenses like physical therapy or emotional distress.
Seeking Fair Compensation for Your Injuries
A serious rideshare accident can leave you with significant damages, such as:
- Medical bills and ongoing medical treatments
- Lost wages and future lost income
- Physical pain and emotional distress
- Property damage (if personal items were damaged in the vehicle)
- Long-term medical care or rehabilitation
You have the right to seek compensation for these losses. A personal injury lawsuit may be necessary if the insurance company refuses to offer a fair settlement.
How Crowell Law Offices Can Help
At Crowell Law Offices, we have years of experience representing injured passengers in Uber and Lyft accidents across Sacramento. We understand the nuances of California insurance law, how to navigate rideshare accident claims, and how to deal with rideshare companies and their insurers.
Whether you were injured in a rideshare vehicle due to a negligent rideshare driver or another at fault driver, our goal is to help you secure maximum compensation for your injuries and suffering.
We work closely with you to gather evidence, assess all available insurance policies, calculate damages including lost income and medical expenses, and negotiate assertively with insurers.
Learn more about what to do if you’re injured as a rideshare passenger. Call Crowell Law Offices at (916) 303-2800 to schedule your free, no-obligation consultation. You can also reach us anytime through our contact page. Let us help you take the first step toward justice and recovery.
FAQs About Rideshare Passenger Injuries in Sacramento
What should I do immediately after a Lyft or Uber accident?
Start by checking for injuries and calling 911 if needed. Get medical attention right away, document the accident scene, and report the crash through the rideshare app.
Can I sue the Uber or Lyft driver if I’m injured as a passenger?
Yes, if the rideshare driver was negligent, you may file a personal injury lawsuit. However, in many cases, the rideshare company’s insurance policy will cover your damages.
What if the other driver caused the accident?
If the other driver was at fault, their insurance should cover your injuries. But if they are uninsured or underinsured, Uber or Lyft’s uninsured motorist coverage may apply.
What compensation can I recover after a rideshare accident?
You may be entitled to compensation for medical bills, lost wages, emotional distress, physical therapy, and other related costs.
How long do I have to file a claim in California?
In California, the statute of limitations for personal injury claims is typically two years from the date of the accident. It’s best to consult with a Sacramento personal injury lawyer as soon as possible.
Do I need a lawyer for a rideshare accident?
Yes, navigating the legal and insurance complexities of Uber and Lyft accidents can be challenging. An experienced personal injury attorney can help you understand your legal rights and build a strong case.
