Uber Insurance Policy

When you have been injured in a Uber accident, you might get the chance to file a claim against the rideshare company’s insurance policy by using a personal injury law firm experienced with these cases. If so, then your chances of receiving a fair amount of compensation before the policy caps could go up, too. But each Uber car accident is unique, so the claims following them are, too. Let us examine the details of your accident to see if we can file against Uber’s or Lyft’s insurance.

Uber’s insurance policy contains three tiers:

  1. No coverage: If an Uber driver is not using the app at the time of a crash, then Uber accepts no responsibility for their actions. At this point, you would have to file against that driver’s privately held insurance policy.
  2. Some coverage: If an Uber driver is using the app but has not accepted a fare when they get into a crash, then Uber can provide third-party liability coverage up to 50/100/25. This policy will only apply after the driver’s policy has been capped.
  3. Most coverage: Once an Uber driver has accepted a fare and/or picked up a passenger, Uber offers the most insurance coverage. It has a $1,000,000 third-party liability policy, an uninsured/underinsured motorist (UM/UIM) insurance policy, and a contingent comprehensive and collision policy.

Notably, Lyft has a strikingly similar insurance policy to the one that Uber holds with a $1 million insurance policy. The biggest difference that most claimants will encounter is in the deductible requirement for vehicular damage.

What about Lyft?

Lyft car accident claims are similar to Uber. The personal injury claim process follows the same steps for accident victims. If you were a Lyft passenger or Lyft driver who suffered an injury from a negligent driver, let’s discuss your case at no charge. We don’t charge a fee unless we win your case.

Will Your Uber or Lyft Claim Settle?

Uber and Lyft are public companies that rely on their reputations to keep making a profit. As such, they do not want to get taken to court after an accident involving one of their drivers. To avoid litigation, they might be more inclined to try to settle your claim after you file it, so the case remains confidential and behind closed doors. However, there is no guarantee that any case will settle.

What types of items can you claim? It’s important that you received fair compensation from the car accident, which can include medical bills, property damage, emotional distress, pain and suffering, and more.

What To Do After Getting Into A Uber or Lyft Accident

1. Get immediate medical care for anyone involved in the accident

2. Write down any details of the incident or take photos with your phone

3. Contact the police

3. Call Uber/Lyft accident attorney to discuss the incident

4. We will file a rideshare accident claim if there’s a case

See our featured Case Results from previous clients

Get Legal Counsel for Drivers & Passengers Alike

Our Indianapolis rideshare accident lawyers can provide award-winning legal counsel to rideshare passengers, rideshare drivers, and other motorists who were hit by rideshare drivers. The bottom line is that if you were in an accident that involved an Uber or Lyft in or out of the city, you can depend on our team to be there to support and guide you. Serious injury isn’t one thing we do – it’s all we do.

Start your free consultation today to learn more about how our Uber accident attorney team.

Visit Our Indianapolis Uber Accident Injury Office

951 N Delaware St
Indianapolis, IN 46202

Phone: 317-488-5500