Rideshare services like Uber and Lyft have transformed urban transportation, offering convenience and affordability to millions of people. However, when an accident occurs involving one of these companies, the legal aftermath can become complicated.
If you’ve been injured in a rideshare crash, you may be wondering whether you can sue Uber or Lyft directly. The answer depends on several factors, including the details of the accident, the rideshare driver’s status at the time of the crash, and the insurance policies in place.
Understanding Liability in a Rideshare Accident
Uber and Lyft classify their drivers as independent contractors rather than employees. This distinction allows them to avoid direct liability for most accidents caused by their drivers. However, that does not mean you are without legal recourse. If you were injured in an accident involving an Uber or Lyft vehicle—whether as a passenger, pedestrian, cyclist, or another driver—you may be able to pursue compensation through insurance claims or a personal injury lawsuit.
Insurance Coverage for Uber and Lyft Accidents
Both Uber and Lyft provide insurance coverage for their drivers, but the level of coverage depends on the driver’s status at the time of the accident:
- When the driver is offline: If the rideshare driver is not logged into the app, Uber and Lyft provide no coverage. Any accident they cause falls under their personal auto insurance policy.
- When the driver is online but has no active ride request: During this phase, Uber and Lyft provide limited liability coverage, typically up to $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage.
- When the driver has accepted a ride or has a passenger: Once a ride request is accepted, Uber and Lyft provide up to $1 million in third-party liability coverage. This extends until the passenger is dropped off.
If you were injured in an accident while riding in an Uber or Lyft, this higher coverage limit applies, which can provide compensation for medical expenses, lost wages, and other damages. However, obtaining a fair settlement often requires the help of an experienced rideshare accident lawyer.
When Can You Sue Uber or Lyft Directly?
Because Uber and Lyft classify their drivers as independent contractors, suing these companies directly can be challenging. However, there are certain situations where a claim against the company itself may be possible.
One potential avenue is proving negligent hiring or inadequate background checks. If Uber or Lyft allowed a driver with a history of reckless driving, DUIs, or other red flags to transport passengers, they may be held accountable for failing to ensure rider safety.
Another scenario involves app malfunctions or system errors. If a rideshare driver was involved in an accident due to a technical issue with Uber or Lyft’s platform—such as incorrect GPS directions, app-related distractions, or failure to properly alert drivers to road hazards—there may be grounds for legal action against the company.
Additionally, if Uber or Lyft’s insurance provider wrongfully denies or underpays a claim, legal action against the company itself may be warranted. Insurers often attempt to minimize payouts, and a skilled NYC car accident lawyer can help fight for the compensation you deserve.
What to Do After a Rideshare Accident
If you are injured in a crash involving an Uber or Lyft vehicle, taking the right steps is crucial for protecting your legal rights. Seek medical attention immediately, even if you don’t feel seriously hurt—some injuries take time to manifest. Document the accident scene with photos and videos, obtain contact information from witnesses, and request a copy of the police report.
Reporting the accident to Uber or Lyft through their app is also important, but avoid making statements that could be used against you. Instead, consult with a rideshare accident lawyer as soon as possible to discuss your options. Legal professionals experienced in car accident legal steps can guide you through the claims process and help determine the best path to securing compensation.
Get Legal Help After an Uber or Lyft Accident
Dealing with the aftermath of a rideshare accident can be overwhelming, especially when facing medical bills, lost income, and uncooperative insurance companies. Whether you need to file a claim against the rideshare company’s insurance policy or pursue legal action against Uber or Lyft directly, having a knowledgeable attorney on your side can make all the difference.
At Sullivan Papain, our experienced NYC car accident lawyers have helped victims recover compensation after serious crashes involving Uber and Lyft. We understand the complexities of rideshare accident claims and fight tirelessly to hold negligent parties accountable. If you or a loved one has been injured in a rideshare accident, contact us today for a free consultation.
About the Firm
As a full-service personal injury firm, Sullivan Papain Block McManus Coffinas & Cannavo P.C.. specializes in all areas of personal injury. Our dedicated litigation support teams diligently and vigorously represent clients, including matters related to 9/11-related illness, personal injury, car accidents, construction accidents, medical malpractice, premises liability, product liability, and firefighter law. across New York City, Long Island, Nassau, and Suffolk counties, as well as New Jersey. To learn more about our firm or schedule a consultation with an attorney, contact us today.