Were you injured in an Uber or Lyft accident in California? Rideshare accident cases are more legally complex than standard car accidents — multiple insurance policies may apply, and determining liability requires understanding California’s rideshare insurance framework. Krash Lawyers handles Uber and Lyft accident claims across Southern California.
California Rideshare Insurance Rules (AB 2293)
California law (AB 2293, Insurance Code § 11580.9) requires Uber and Lyft to maintain specific insurance coverage depending on the driver’s status:
- Period 0 — App OFF: Driver’s personal auto insurance applies only
- Period 1 — App ON, no ride accepted: $50,000 per person / $100,000 per accident / $30,000 property damage (contingent coverage)
- Period 2 — Ride accepted, en route to pickup: $1,000,000 liability coverage from Uber/Lyft
- Period 3 — Passenger in vehicle: $1,000,000 liability + uninsured/underinsured motorist coverage
Who Can File a Rideshare Accident Claim?
- Passengers in an Uber or Lyft during an accident
- Other drivers or passengers hit by a rideshare vehicle
- Pedestrians and cyclists struck by a rideshare driver
- Rideshare drivers injured by another negligent driver
Why Rideshare Cases Are More Complex
Unlike a standard car accident, rideshare cases involve determining which insurance policy applies, dealing with corporate legal teams from Uber or Lyft, and navigating the driver’s independent contractor classification. Insurance companies exploit this complexity to deny or minimize claims. An experienced attorney is essential.
Common Rideshare Accident Injuries
- Whiplash and neck injuries
- Back and spinal injuries
- Traumatic brain injuries
- Broken bones and fractures
- Soft tissue damage
- Emotional trauma and PTSD
What to Do After a Rideshare Accident
- Call 911 — ensure police and medical help are dispatched
- Screenshot the Uber/Lyft app showing your trip details, driver name, and vehicle info
- Get the driver’s name, license plate, and insurance info
- Photograph injuries, vehicle damage, and the scene
- Get witness contact information
- Seek medical attention immediately
- Report the accident through the Uber or Lyft app (but don’t accept any settlement offers)
- Contact a rideshare accident attorney before speaking to any insurance adjuster
Injured in an Uber or Lyft Accident?
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