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Filing a Claim After a Collision Involving an Uber or Lyft Driver

Whether you're a rideshare passenger or a driver of another vehicle, an auto accident with the driver of a ride-hailing service such as Uber or Lyft can be complicated. Depending on the period of the drive, different insurance policies may kick in, and it's essential to know which applies to ensure that you are submitting your claim to the correct party. Also, rideshare companies have safeguards protecting them from lawsuits should one of their drivers cause a traffic collision. Because several factors are at play in an Uber or Lyft accident, it's crucial that you get help from an Cleveland rideshare accident attorney to navigate your case.

At Henderson, Mokhtari & Weatherly, we know how important it is to seek compensation after an accident. Being strapped with financial burdens can add greater frustrations to an already stressful situation. Our Cleveland rideshare accident lawyers are ready to help relieve some of the stresses associated with your case by taking care of all the details for you. We can conduct a thorough investigation, build a compelling strategy, and effectively present your claim to seek a fair and just financial recovery.

Get 75+ years of combined experience on your side by calling our Cleveland rideshare accident lawyer at (216) 220-6776 or contacting us online today.

Whose Insurance Do I File a Claim With?

When you're involved in a traffic accident, one of your first questions might be who you file your claim against. Generally, the answer is straightforward: The other driver's insurance company. But when a rideshare driver is responsible, the question becomes a little more difficult to answer. Do you file a claim with the company's insurance or the at-fault driver's? How your case is handled depends on when the accident occurred.

Uber's Insurance Policies

Uber requires any person who drives for the company to maintain their own insurance on their vehicle. However, it also carries third-party liability coverage.

The insurance coverage that applies in an accident depends on the drive period:

  • App off: If the driver is not online, their own insurance kicks in.
  • App on, waiting for a ride: If the rideshare driver is waiting for a ride request, they cause an accident, and their own insurance does not apply, Uber has the following third-party coverage:
    • $50,000 bodily injury per person
    • $100,000 bodily injury per accident
    • $25,000 property damage per accident
  • En route: If the driver is traveling to pick up a customer or driving them to their destination, Uber maintains $1,000,000 third-party liability insurance.

Lyft's Insurance Policies

The liability insurance Lyft maintains is similar to that of Uber. And like Uber, when Lyft's coverage applies depends on the drive period:

  • App off: Any accident the driver causes when they're not online with Lyft is covered by their own insurance.
  • App on, waiting for a ride request: Once the driver is logged onto the app and is waiting to get a request, if their insurance does not cover an accident they cause, the following third-party liability coverage maintained by Lyft will apply:
    • $50,000 bodily injury per person
    • $100,000 bodily injury per accident
    • $25,000 property damage per accident
  • En route: If the driver causes an accident when they are going to pick up passengers or are transporting them to their destination, damages/injury are covered by Lyft's $1,000,000 insurance policy.

If you're a passenger in a rideshare vehicle and the other driver causes the collision, you would file a claim with their insurance. In some cases, the other driver might be uninsured or their policy might not be enough to cover the damage. In such situations, both Uber and Lyft have Uninsured/Underinsured Motorist (UM/UIM) insurance coverage.

Can I Sue Uber or Lyft?

Although most accident claims are settled out of court, some do go to trial. But does that apply if the at-fault party was a rideshare driver? Generally, no. You wouldn't be able to sue a rideshare company for a collision caused by one of their drivers. The reason is that the drivers are typically classified as independent contractors and are not direct employees. Thus, the rideshare company cannot be liable for damages resulting from the driver's negligence.

Get Skilled Guidance for Your Case

At Henderson, Mokhtari & Weatherly, we genuinely care about helping accident victims seek the financial recovery they need to pay for expenses and supplement losses. Our rideshare accident attorneys in Cleveland can develop personalized solutions for your case and provide compassionate representation every step of the way.

For help from a team that will work hard for you, contact us at (216) 220-6776 today.

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    Al A. Mokhtari


    In the last 20+ years, Attorney Al A. Mokhtari has handled personal injury cases from clients throughout Ohio. Additionally, he brings 14 years of experience resolving litigation involving insurance carriers and various other legal issues. While he saw great success in this area, Attorney Mokhtari recently decided to invest his legal skill into helping injury victims and smaller businesses, rather than large companies and insurance carriers.

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