Can You Sue Rideshare Companies If You're Injured During a Trip?
- Cory D. Raines
- Apr 10
- 4 min read
Updated: Apr 22
Rideshare companies such as Uber and Lyft have become a standard mode of transportation for millions of people. With the high volume of daily trips, accidents are inevitable. When injuries occur, many people are unsure of their legal options.
Recovering compensation after a rideshare accident can be more complex than a typical car accident. Liability often depends on the driver’s status at the time of the incident, including whether they were logged into the app, en route to pick up a passenger, or actively transporting one.
Below is an overview of how these claims typically work.
Injured as a Passenger in a Rideshare Vehicle
If you are injured while riding in an Uber or Lyft, you generally have the ability to pursue compensation through the rideshare company’s insurance policy.
Rideshare companies typically maintain up to $1 million in liability coverage for accidents that occur while a driver is actively transporting a passenger.
In most cases:
You will file a claim through the rideshare company, not directly against the driver
The company will route the claim to its insurance provider
Compensation may cover medical expenses, lost wages, and other damages
Who Pays for the Accident?
If the rideshare driver is at fault: The rideshare company’s insurance policy will generally apply
If another driver is at fault: You may file a claim against that driver’s insurance, as well as the rideshare company’s policy
This is important because if the at-fault driver is uninsured or underinsured, the rideshare company’s coverage may help bridge the gap.
Injured in Another Vehicle Involving a Rideshare Driver
If you are a passenger in a separate vehicle that is involved in an accident caused by a rideshare driver, you may still have a claim involving the rideshare company.
However, coverage depends heavily on the driver’s status at the time of the accident.
Driver not logged into the app:
The driver’s personal auto insurance typically applies
Driver logged in but waiting for a ride request:
A limited rideshare company policy may apply in addition to the driver’s personal insurance
Driver en route or transporting a passenger:
The rideshare company’s full liability policy, often up to $1 million, is typically in effect
Because of these variables, it is often necessary to pursue multiple insurance claims.
Understanding Rideshare Insurance Coverage
Rideshare insurance operates in phases, and each phase determines which policy applies.
1. Driver’s Personal Auto Insurance
When the driver is not logged into the rideshare app, any accident is handled through their personal insurance policy.
Under Georgia law, minimum coverage generally includes:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$25,000 for property damage
2. Contingent Liability Coverage
When the driver is logged into the app but has not accepted a ride:
The driver’s personal insurance is still primary
The rideshare company provides limited secondary coverage
3. Full Rideshare Coverage
When the driver is:
En route to pick up a passenger, or
Actively transporting a passenger
The rideshare company’s full commercial policy applies, which often includes:
Up to $1 million in liability coverage
Uninsured and underinsured motorist coverage
What Should You Do Immediately After a Rideshare Accident?
If you are involved in a rideshare accident, taking the right steps can help protect your health and your ability to recover compensation.
1. Ensure Safety and Call 911
Check for injuries and seek immediate medical assistance if needed. Contact law enforcement so an official report is created.
2. Document the Scene
Take photos of:
Vehicle damage
The accident scene
License plates
Any visible injuries
Also capture a screenshot of your rideshare trip within the app, which can help confirm the driver’s status at the time of the accident.
** Many of the same steps apply to standard vehicle accidents. For a broader overview, see our guide: 5 Things to Do Immediately After a Car Accident in Georgia
3. Gather Information
Collect:
Driver’s name and contact information
Insurance details
Rideshare information (Uber or Lyft trip details)
Contact information for any witnesses
4. Seek Medical Attention
Even if injuries seem minor, get evaluated by a medical professional. Documentation is critical for any claim.
5. Report the Incident to the Rideshare Company
Both Uber and Lyft allow users to report accidents directly through their apps. This step helps initiate the insurance process.
6. Be Cautious When Speaking with Insurance Companies
Avoid giving recorded statements without preparation. Stick to the facts and avoid speculation.
Key Takeaways
You may be able to pursue compensation after a rideshare accident
Liability depends on the driver’s status at the time of the accident
Multiple insurance policies may apply
Proper documentation and timely action are critical
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