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Is Uber Liable for Accidents?

If you’re injured in an Uber accident, you might wonder who’s responsible for your injuries and whether you can pursue compensation. Rideshare accidents can get complicated, especially when insurance coverage depends on the driver’s status at the time of the crash.

 

Our New York personal injury lawyers explain how Uber’s insurance works and what determines liability below.

Is Uber Liable for Accidents?

Whether Uber is responsible for an accident depends on the driver’s status at the time and the circumstances of the crash.

When Uber May Be Liable
When Uber Is Not Liable
Who Could Be Responsible in an Uber Accident?

How Does Uber's Auto Insurance Work?

Yes, you can change your workers' compensation doctor at any time. You can request a new provider if you're unhappy with your care or feel your needs aren't being met.

 

When Can You Request a New Doctor?

 

  • Within the First 30 Days: As mentioned above, if your employer is part of a PPO, you must start treatment with a doctor from that network. After 30 days, you can switch to any WCB-authorized provider.
  • After 30 Days: If you’re beyond the initial 30-day period or if your employer doesn’t use PPO, you can change doctors without restrictions.

 

To make the switch, you’ll need to notify your insurance carrier or employer in writing to ensure your medical records are transferred and your new doctor has your treatment history.

How Does Uber's Auto Insurance Work?

Uber provides insurance for its drivers, but the amount of coverage depends on what the driver was doing at the time of the accident.

Off the App

As mentioned above, Uber's insurance doesn't apply if the driver isn’t logged into the app.

Logged In but No Passengers

When the driver is logged into the app but not carrying a passenger, Uber offers limited liability coverage. This includes up to $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage.

En Route with a Passenger

If the driver is actively transporting a passenger or on the way to pick one up, Uber provides up to $1 million in liability coverage. This also covers protection for uninsured or underinsured motorists.

Can You Sue Lyft for an Accident?

Similar to Uber, Lyft operates under a rideshare model, and the liability rules are comparable. If you’re injured in an accident involving a Lyft driver, you may also have grounds to sue.

When Can You Sue Lyft?

What Kind of Damages Can You Claim?

If you’re involved in an accident involving an Uber or Lyft, you may be entitled to several types of compensation, including:

 

  • Medical Expenses: Coverage for hospital visits, surgeries, rehabilitation, and ongoing treatment.
  • Lost Wages: Compensation for income lost due to your injuries, including potential future earnings.
  • Pain and Suffering: Damages for physical pain, emotional distress, and mental anguish caused by the accident.
  • Property Damage: Reimbursement for repairs or replacement of your vehicle and personal belongings.
  • Wrongful Death Damages: In fatal accidents, families may recover funeral costs and compensation for loss of companionship.

What Should You Do If You’re Injured in an Uber or Lyft Accident?

Start by seeking medical attention, even if you think your injuries are minor. Make sure the accident is officially reported to the police, and gather as much evidence as you can from the scene, including photos, witness statements, and the driver’s insurance information. You also notify the rideshare company through their app to properly document the incident.

 

Finally, consulting with an experienced personal injury attorney can help you navigate the process and ensure your rights are fully protected.

Frequently Asked Questions

How Long Do You Have to Sue for Rideshare Accident Damages in New York?

In New York, the statute of limitations for personal injury claims is generally three years from the date of the accident. However, if you are filing a wrongful death claim, you typically have two years from the date of the deceased’s passing.

What If Multiple Passengers Are Injured in the Same Rideshare Accident?

Key Takeaways

Uber and Lyft liability depends on the driver’s app status.

Rideshare insurance coverage can vary from no coverage at all to up to $1 million, depending on the situation.

A personal injury attorney can help you determine who’s responsible and pursue full compensation for your injuries.

Not Sure If Uber or Lyft Is Responsible for Your Accident?

If you’re unsure who’s liable for your rideshare accident, our New York personal injury attorneys can review your case and help make sure you get the compensation you’re entitled to.

 

At Field Law Group, we’re dedicated to protecting your rights! Contact us today or call 212-739-7278 to schedule a FREE consultation with our firm.

 

About the Firm: With over a decade of experience, Field Law Group has been helping personal injury victims across New York since 2013. We’re dedicated to protecting the rights of accident victims and fighting to get them the compensation they deserve.

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