Posted On February 26, 2025 California,Car Accidents

Uber or Lyft Accident in California? Here Is How to File a Claim

With the convenience of rideshare services like Uber and Lyft comes the unfortunate reality of accidents involving these vehicles. Whether you were a passenger, another driver, a pedestrian, or even a cyclist, knowing how to file a claim is essential for securing compensation after an Uber or Lyft accident. However, the process can be complex, given the unique nature of rideshare services and the layers of insurance involved. 

Understanding Rideshare Accidents in California 

A rideshare accident occurs when an Uber, Lyft, or similar service vehicle is involved in a collision. Unlike standard car accidents, rideshare accidents often involve multiple layers of responsibility and insurance coverage, making it more complex to determine liability and file claims. 

Why Rideshare Accidents Are Unique 

Rideshare drivers are classified as independent contractors, not employees of Uber or Lyft. This distinction affects the way insurance policies apply and who is responsible for compensating victims. Additionally, California law requires specific insurance coverage for rideshare drivers, depending on their status at the time of the accident. 

Rideshare Insurance Coverage Periods 

1. App Off: The driver’s personal insurance applies, as they are not considered “on duty.” 
2. App On, No Passenger: Limited rideshare coverage from Uber or Lyft, with liability coverage up to $50,000 per person, $100,000 per accident, and $25,000 for property damage. 
3. App On, Passenger Onboard: Full rideshare coverage applies, including up to $1 million in liability coverage and uninsured/underinsured motorist coverage. 

Who Is Liable in a Rideshare Accident? 

Determining liability is crucial for filing a claim. Liability may rest with the rideshare driver, another driver, or, in some cases, Uber or Lyft. 

When the Rideshare, Driver Is at Fault 

If the rideshare driver caused the accident, liability often depends on whether they were actively working for Uber or Lyft at the time. Rideshare companies maintain insurance coverage that applies under specific conditions: 

App Off 

When the rideshare, app is turned off, the driver is using their vehicle for personal use. In this case, the driver’s personal auto insurance is responsible for covering any damages. 

App On, No Passenger 

If the rideshare driver is logged into the app and waiting for a ride request, Uber or Lyft provides limited liability coverage which may be: 

• $50,000 per person for bodily injury. 
• $100,000 per accident for bodily injury. 
• $25,000 for property damage. 

This coverage acts as secondary insurance, supplementing the driver’s personal policy if it does not fully cover the damage. 

App On, Passenger Onboard 

When the driver has accepted a ride request or has a passenger in the vehicle, Uber or Lyft’s full commercial insurance policy applies. This includes: 

• Up to $1 million in liability coverage for bodily injury and property damage. 

• Uninsured/underinsured motorist coverage for accidents caused by drivers with insufficient insurance. 

 When Another Driver Is at Fault 

If another driver caused the accident, their auto insurance is typically responsible for compensating victims. However, complications can arise if the at-fault driver: 

• Is Uninsured: In this case, Uber, or Lyft’s uninsured/underinsured motorist coverage (up to $1 million) may apply to cover injuries to rideshare passengers or other victims. 
• Lacks Adequate Coverage: If the at-fault driver’s insurance policy limits are too low to fully compensate victims, the rideshare company’s underinsured motorist coverage can help bridge the gap. 

Third-Party Liability 

Rideshare companies like Uber and Lyft have long argued that their drivers are independent contractors, not employees. This classification shields the companies from direct liability for their drivers’ actions. However, there are exceptions: 

• Negligent Hiring or Retention: If the rideshare company failed to properly vet the driver (e.g., allowing a driver with a history of reckless driving or DUI offenses), they could be held partially liable for the accident. 
• Platform Malfunctions: If the accident occurred due to an issue with the rideshare app (e.g., providing unsafe routes or malfunctioning GPS directions), the company might share liability. 

In such cases, an attorney can help identify evidence showing the company’s negligence or role in the accident. 

Steps to Take Immediately After a Rideshare Accident 

Taking the right steps after an accident can significantly impact your ability to file a successful claim. 

1. Ensure Safety and Seek Medical Attention: Your health and safety come first. Call 911 to report the accident and request medical assistance if needed. Even if you feel fine, seek medical evaluation as some injuries may not be immediately apparent. 
2. Report the Accident to Authorities: A police report provides official documentation of the incident, including key details such as the involved parties, accident location, and preliminary fault assessments. 
3. Gather Evidence: Collect as much information as possible, including: 
4. Photos of the accident scene, vehicle damage, and injuries. 
5. Contact details of all drivers, passengers, and witnesses. 
6. Screenshots of the rideshare app showing trip details (driver name, trip ID, time, and location). 
7. Report the Accident to the Rideshare Company: Uber and Lyft require accidents to be reported through their apps or customer service portals. Provide accurate details but avoid admitting fault or making speculative statements. 
8. Contact an Experienced Attorney: Consulting with an attorney early ensures your rights are protected. They can handle communications with insurance companies and help you avoid common pitfalls that may reduce your compensation. 

Filing a Claim Against Uber or Lyft 

How to File a Claim 

1. Contact Uber or Lyft: Use their accident reporting tools to notify them of the incident. Both companies have specific procedures for handling claims. 
2. Provide Documentation: Submit supporting evidence, including the police report, medical records, and photos. 
3. Work with Insurance Adjusters: Uber and Lyft’s insurers will review your claim. Be cautious when speaking with adjusters, as their goal is often to minimize payouts. 

The Role of Personal Insurance 

If the rideshare driver’s personal insurance applies (e.g., app off), victims may need to file a claim directly with the driver’s insurance company. 

 Types of Compensation You May Be Entitled To 

Victims of rideshare accidents in California can seek compensation for various damages, including: 

1. Medical Expenses: Compensation can cover immediate medical bills, ongoing treatment, rehabilitation, and future medical care related to your injuries. 
2. Lost Wages: If you are unable to work due to your injuries, you can claim lost wages and, in severe cases, diminished earning capacity. 
3. Pain and Suffering: This includes compensation for physical pain, emotional distress, and loss of enjoyment of life. 
4. Property Damage: Rideshare accident claims can also include costs to repair or replace private property, such as your vehicle or other belongings damaged in the collision. 

Challenges in Rideshare Accident Claims 

Rideshare claims can be more complex than standard car accident cases due to: 

Disputes Over Liability 

Uber and Lyft often attempt to distance themselves from liability by arguing that their drivers are independent contractors. 

Insurance Coverage Conflicts 

Determining which policy applies (rideshare coverage vs. personal insurance) can be complicated, especially when app status is unclear. 

Delay Tactics by Insurance Companies 

Insurance companies may delay processing claims or offer lowball settlements. Having an attorney to negotiate on your behalf is critical. 

How an Experienced Attorney Can Help 

An experienced attorney can simplify the claims process and increase your chances of securing fair compensation. Here is how they can assist: 

• Investigating the Accident: Attorneys gather evidence, such as traffic camera footage and rideshare records, to strengthen your claim. 
• Negotiating with Insurers: They ensure you receive compensation that fully covers your damages. 
• Filing a Lawsuit if Necessary: If negotiations fail, your attorney can take your case to court. 
• Meeting Deadlines: In California, personal injury claims must be filed within two years of the accident. An attorney ensures you meet this deadline. 

Frequently Asked Questions 

Can I File a Claim If the Rideshare Driver Was not at Fault? 

Yes, you can file a claim against the at-fault party’s insurance. If the at-fault driver is uninsured or underinsured, Uber or Lyft’s coverage may apply. 

What If I Was a Pedestrian or Cyclist Hit by a Rideshare Vehicle? 

Pedestrians and cyclists can file claims against the rideshare company’s insurance if the driver was on duty at the time of the accident. If the driver was not on duty, their personal auto insurance may provide coverage. 

How Long Will It Take to Settle My Claim? 

The timeline varies based on the complexity of the case. Claims can take weeks to many months, and lawsuits may take even longer if litigation is necessary. 

Conclusion 

Rideshare accidents can leave victims facing physical, emotional, and financial challenges. Understanding your rights and taking the proper steps can make all the difference in filing a successful claim. These claims have levels of complexity and it is not recommended to handle these types of claim without first consulting an attorney. 

If you have been injured in an Uber or Lyft accident in California, contact us today for a free consultation. Let us help you navigate the claims process and fight for the compensation you deserve. 

“Disclaimer: 

The content provided on this blog is for general informational purposes only and does not constitute formal legal advice. While we strive to ensure the accuracy and timeliness of the information presented, we make no guarantees. The information provided here should not be relied upon as a substitute for professional legal advice tailored to your specific circumstances. 

Your use of this blog and any information contained herein does not create an attorney-client relationship between you and our firm. For advice regarding your individual situation, please contact our office as we would be happy to discuss your case. We expressly disclaim all liability with respect to actions taken or not taken based on any or all the contents of this blog.”