Are Passengers in Uber or Lyft Vehicles Required to Report Accidents, and if So, How?

Photo car accidents on the road

Yes, if you get into an Uber or Lyft accident as a passenger, you should promptly report it. You can easily do so through the Uber and Lyft applications, ensuring a swift response from the respective platforms. 

In addition to app reporting, informing the rideshare driver’s personal auto insurance company about the accident is crucial. This step ensures comprehensive documentation and speeds up the claims process.

Timely reporting is essential for the safety and well-being of all parties involved. If you’ve experienced an Uber or Lyft accident in New York, reach out to our Uber and Lyft accident lawyer at Uptown Injury Law, PLLC. Our team can guide you to determine if you’re eligible to file a claim and help you deal with the legal system. 

Accident Reporting Process for Uber and Lyft Passengers

Accidents during Uber or Lyft rides can be unsettling, but both platforms have a streamlined process for passengers to report accidents.

How to Use the Uber App to Report an Accident as a Passenger?

If you get in an accident while riding in an Uber, reporting it through the app is a straightforward process:

  1. Tap on the “Help” option within the app to access support features.
  2. Find and select “Trip Issues and Adjustments ” to reveal options related to accidents.
  3. Choose the option that says “I was in an accident” to initiate the reporting process.
  4. Follow the prompts to enter details about the accident, including date, time, and location. Describe all the events leading up to the accident.
  5. Uber may request additional documentation, such as photos or descriptions of damages. Cooperate fully to facilitate a thorough investigation.
  6. Once all necessary information is entered, submit the report. Uber’s support team will review the case and take appropriate action.

How to Use the Lyft App to Report an Accident as a Passenger?

Reporting an accident as a Lyft passenger is a similar process. Follow these steps:

  1. Open the Lyft app on your smartphone and go to the menu or help section.
  2. Find and select “Ride History” to locate the specific ride during which the accident occurred.
  3. Identify the ride involved in the accident and tap on it to access more details.
  4. Look for the “Get Help” or “Report an Accident” option within the ride details.
  5. Provide a detailed accident description, including the time, date, and location. Lyft may ask for additional information to understand the situation better.
  6. Lyft, like Uber, may request supporting documentation such as photos or other relevant information. Be prepared to provide these details to assist with their investigation.
  7. Submit the accident report through the Lyft app after completing the necessary steps. Lyft’s support team will review the information and take appropriate action.

Remember, reporting an accident promptly and accurately ensures that Uber and Lyft can address the situation appropriately and assist with any necessary follow-up actions.

Protecting Yourself Following a Rideshare Accident

After a rideshare accident, it’s crucial to protect yourself. Even though Uber and Lyft seem helpful, getting compensation can be tricky. They might take a long time to respond or say no, leaving you with more medical bills and lost wages.

Rideshare accidents often result in significant injuries, ranging from minor to severe. These can include whiplash, fractures, or even life-altering injuries. If someone’s negligence caused the accident, you have the right to get compensation for the harm caused to you.

Seeking legal help promptly is urgent in such cases. A skilled Uber accident attorney can not only guide you through the complexities of the claims process but also make sure you get the money you deserve for the harm you went through. Without a lawyer, you might not get what you deserve.

Moreover, you have a three-year window to take legal action in New York. Waiting too long can be problematic, as delays from these rideshare companies might hinder your chances of obtaining the compensation you need.

So, in order to navigate the aftermath of a rideshare accident successfully, a timely and informed approach is key. Seeking legal assistance promptly means less stress, a better understanding of your rights, and increased support throughout the process.

Understanding First-Party Liability versus Third-Party Liability

After a rideshare accident, differentiating between first-party and third-party liability is essential to comprehend how compensation is sought and from whom.

First-Party Liability in a Rideshare Accident

A first-party claim occurs when the victim initiates a claim against their own insurance provider. In the context of a rideshare accident, this means notifying your insurance company, and in return, your policy will compensate you for specific losses outlined in your insurance contract.

For example, consider if you have uninsured motorist coverage. In a rideshare accident where the at-fault party lacks insurance, your policy can step in to cover medical expenses or vehicle damages. Similarly, if you have rental insurance, the costs associated with securing a temporary replacement vehicle may be covered under a first-party claim.

Third-Party Liability in a Rideshare Accident

On the other hand, a third-party claim arises when the victim seeks compensation from the at-fault party’s insurance. In a rideshare accident, this means filing a claim against the personal insurance company of the rideshare driver responsible for the incident.

For example, if you were not at fault in the accident, you can file a third-party claim against the rideshare driver’s insurance. This could encompass seeking reimbursement for medical expenses incurred due to the accident, compensation for lost wages during recovery, or damages for the emotional and physical distress experienced, known as pain and suffering.

Understanding the distinction between these two types of liability is crucial in navigating the complexities of a rideshare accident and ensuring you receive appropriate compensation based on the specific details of the incident.

Does Uber Provide Compensation for Accidents?

car insurance claim uber accident lawyer in new york

Yes, both Uber and Lyft provide up to $1 million in protection for injuries and property damage in case of an accident. This substantial coverage is part of their commercial insurance policies and is designed to offer financial protection for both rideshare drivers and passengers.

Here’s a breakdown of how Uber’s insurance coverage works for you:

Driver Offline or Not Logged In

If you, as an Uber driver, are offline or not logged into the Uber app, your personal insurance applies in case of an accident. Uber does not provide coverage during this period.

Driver Available but Waiting for a Ride Request

When you are available and waiting for a ride request, Uber provides third-party liability up to $50,000 per person injured in an auto accident, $100,000 total injury liability per accident case, and $25,000 property damage liability per accident if your personal insurance does not apply or is insufficient.

En Route to Pickup a Passenger or During a Trip

Once you accept a ride request and are on the way to pick up a passenger or during the trip, Uber’s commercial insurance coverage is in effect for you. This coverage includes up to a total of $1 million in liability, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage for your vehicle.

If you are in an accident with Uber, it’s crucial to report the incident promptly. This initiates the claims process and helps determine the applicable insurance coverage based on the circumstances at the time of the accident. Keep in mind that the specific details of Uber’s insurance policies may vary based on local regulations and your circumstances.

What to Do Immediately After an Uber or Lyft Car Accident?

In case of an accident while riding in an Uber or Lyft, it’s essential to take specific steps to protect yourself and ensure you can address any potential damages or injuries. Here’s a guide on what to do immediately after an Uber or Lyft accident:

Ensure Safety and Seek Medical Attention

First and foremost, prioritize safety. Check yourself and others for injuries. If anyone is injured, seek immediate medical attention by calling emergency services. Your well-being is the top priority.

Document the Scene

Similar to any car accident, document the scene. Take photographs of the accident, including vehicle damage, license plates, and the surrounding area. Note the accident’s timing, as it directly impacts your liability coverage for damages.

Call the Police

Call 911 and file a police report. Police reports provide legal proof and are essential for car accident investigations. Make sure to obtain a copy of the report, as it can support any future claims or lawsuits.

Exchange Information

Collect information from all parties involved, including the Uber or Lyft driver. Exchange names, addresses, contact numbers, and insurance details. Moreover, if there are witnesses, gather their contact information as well.

Report to Uber or Lyft

Both you and the rideshare driver should report the accident to Uber or Lyft immediately. Providing details of the incident will strengthen your case for potential damages from the rideshare company.

Consider Legal Action (If Necessary)

If you’ve suffered losses, consult a car accident lawyer. Legal action may be necessary to ensure you receive fair compensation for missed work time, damaged property, medical expenses, and any resulting conditions from the accident.

Remember, even as a passenger, you can seek compensation for any losses incurred during a rideshare accident. Taking immediate and informed actions can significantly impact the outcome of your case.

How to Get a Police Report in New York After a Car Accident?

If you’re in a car accident in New York, getting a copy of the police report is essential for insurance and legal matters. The New York DMV keeps accident reports for four years, and you can order one online. It costs $7 for a search and an additional $15 for each report you want.

Start by doing a free search to see if your report is available. If you find what you need, you’ll have to do a $7 paid search before ordering the reports for $15 each. Once you’ve paid, you can download the reports in PDF format within seven days.

If online methods don’t work, there’s an alternative called Records Request Navigator. It has a $10 search fee and a $15 report fee for each report ordered. Provide details like the crash date, county, and information about the vehicles or people involved.

A report takes 14-60 days to become available, depending on where the accident happened and how the report was filed. It’s important to note that reports purchased online should be downloaded within seven days, or else you might need to repurchase them.

This systematic process ensures a swift and efficient retrieval of the police report, providing essential documentation for insurance claims and legal actions following a car accident in New York.

Statute of Limitations for Rideshare Accident Claims in New York

In New York, the statute of limitations for rideshare accidents is three years. This means you have a limited three-year window from the car accident date to file a legal lawsuit seeking compensation for injuries or damages incurred. Each passing day is critical, and the countdown begins immediately after the accident.

While three years might seem like an ample timeframe, it’s essential to recognize that every second counts in the legal process. Initiating legal action promptly allows for collecting crucial evidence, assessing damages, and effectively navigating the complex legal procedures involved in rideshare accident cases.

Waiting until the last moment can jeopardize the ability to pursue a claim successfully. Delays can result in the loss of vital evidence, the fading of witness memories, and difficulties in reconstructing the events surrounding the accident. Furthermore, as time passes, the ability to build a strong case diminishes, potentially compromising the chances of obtaining rightful compensation.

What Are Uber’s/Lyft’s Insurance Policies, and What Losses Do They Cover?

Regarding your safety and protection during rideshare activities with Uber and Lyft in New York, it’s crucial to understand the intricacies of their insurance policies, each designed to cover a specific period of your journey.

Period 1 – Offline or Personal Use: During this phase, when you’re offline or using your vehicle for personal reasons, your personal auto insurance applies. New York’s minimum liability insurance requirements come into play, ensuring coverage for various scenarios, including injuries and property damage.

  • $25,000 for one person in any one accident
  • $50,000 for one person resulting in death
  • $50,000 for injury of two or more persons
  • $100,000 for injury resulting in the death of two or more persons
  • $10,000 for injury or damage to property of others

Period 2 – Available but No Ride Request: When you’re available but haven’t accepted a ride request, both Uber and Lyft provide contingent liability coverage.

  • $75,000 per person for bodily injury
  • $25,000 uninsured/underinsured motorist protection
  • Bodily injury coverage of $150,000 per covered accident
  • Property damage coverage of $25,000 per accident for which you are responsible

Period 3 – En Route to Pickup or During Trip: As you accept a ride request and commence the trip, robust insurance coverage comes into play, offering extensive protection for you, your passengers, pedestrians, and property damage.

  • $1,250,000 coverage for bodily injuries extending to various parties
  • $1,250,000 bodily-injury coverage for you and your passengers against uninsured/underinsured motorists
  • If you already have collision and comprehensive coverage, you can get more coverage with a $2,500 deductible, up to the value of your car.

Moreover, New York state law mandates Personal Injury Protection (PIP) coverage throughout all phases, with $50,000 per accident Upstate and $200,000 in New York City.

Get the Compensation You Rightfully Deserve After an Uber or Lyft Accident

If you get into an Uber or Lyft accident in New York, our seasoned rideshare accident lawyers at Uptown Injury Law, PLLC, are ready to advocate for you. Whether you are a passenger, other driver, or a pedestrian, we specialize in navigating the complexities of rideshare accident cases in the Bronx, Manhattan, Queens, Brooklyn, and the entire New York City Metro Area.

Why Choose Uptown Injury Law?

  1. Expertise in Rideshare Accidents: With over 15 years of dedicated service, we deeply understand the specific laws governing rideshare accidents, ensuring you receive expert representation.
  2. Proven Results – Millions Recovered: Our track record speaks for itself, with millions successfully recovered for our clients through verdicts and settlements. We are committed to securing the best outcomes for those we represent.
  3. No Fee Unless You Win: We recognize the financial strain you may be under, and that’s why we operate on a “No Fee Unless You Win” basis. Our success is directly tied to yours.

In order to initiate your path to recovery, schedule a free consultation with us. You can contact us online or call our toll-free number at 917-540-8728.

So, let our expert New York rideshare accident lawyers guide you through the legal process. They are committed to fighting for the compensation and justice you deserve after a rideshare car accident.


What Are My Legal Rights as an Uber or Lyft Passenger?

You have the right to a safe journey as an Uber or Lyft passenger. In case of an accident, both companies offer up to $1 million in insurance coverage. However, the coverage amount depends on the Uber and Lyft driver’s status at the time of the accident.

What to Do After a Rideshare Accident in New York?

If you’re involved in a rideshare accident in New York, take the same steps as you would in a regular car accident. Prioritize safety, contact the police, and exchange information. Moreover, promptly report the incident to both the rideshare company and your insurance provider to facilitate a smooth resolution.

Do I Need a Rideshare Accident Lawyer to File an Uber or Lyft Injury Lawsuit?

While not mandatory, having a rideshare accident lawyer can greatly benefit you when filing an Uber or Lyft injury lawsuit. Their expertise navigates complexities, from evidence gathering to negotiating with insurance companies. This ensures a smoother process, as a result maximizing your chances of a successful claim.

Can I Sue Uber or Lyft After a Car Accident in New York?

While you typically can’t sue Uber or Lyft directly after a car accident in New York, pursuing a lawsuit is an option. Legal action is usually directed toward the rideshare driver, as Uber and Lyft consider their drivers as independent contractors.

Who is Responsible for Paying My Medical Treatment Bills After an Uber or Lyft Accident?

Determining responsibility for your medical bills after an Uber or Lyft accident involves assessing various factors. Liability may extend beyond the rideshare driver or company to include other involved drivers. Therefore, a thorough investigation is crucial to identify responsible parties and ensure proper compensation for medical expenses.

What are Some of the Most Common Ridesharing Accident Injuries?

In ridesharing accidents, common injuries such as whiplash, fractures, and soft tissue injuries may occur. These can result from sudden stops or collisions. Therefore, seeking prompt medical attention is crucial, as understanding the potential long-term effects of comprehensive care.


Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers
Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers

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