How Well Does Uber/Lyft Handle Car Accidents?

Uber has gained widespread popularity across the U.S. market, including in New York. Insider intelligence statistics predict considerable growth in Uber and Lyft users, with an increase from 77.6% to 86.7% between 2024 and 2027. Despite this positive trend, the occurrence of rideshare accidents is a concern. You might question how Uber handles car accidents.

In case of an accident while using Uber or Lyft, you can easily report it by accessing their 24/7 emergency hotline through the help button on their app. Afterward, Uber or Lyft’s legal team will contact you to collect additional information and assist you further.

However, rideshare insurance providers may not always offer the assistance you need to process your claim and get the maximum settlement. At Uptown Injury Law, PLLC, our team of New York Uber/Lyft accident lawyers is dedicated to making the process easier for you.

We can help you handle your personal injury claim smoothly, gather crucial evidence to strengthen your case and provide support throughout the legal process. Reach out to us at 917-540-8728 or schedule a free case review with our team today!

Lyft or Uber How Well Does Uber/Lyft Handles Car Accidents?

How Does Reporting an Accident to Rideshare Companies Work?

In case an accident happens, Uber or Lyft have dedicated support teams in place to assist you throughout the reporting process, which typically involves providing details of the accident. You’ll need to share essential information about the accident, including:

  • Location
  • Time
  • Description of what happened (including photos, witness statements, etc.)

If you’re involved in an accident and it’s not your fault, the rideshare company, like Uber, may cover damages up to $25,000. This is through their uninsured or underinsured coverage (UIM), which comes into play if the person responsible for the accident doesn’t have enough or any insurance. On the other hand, if the accident was your fault, you’ll need to rely on your personal insurance.

Additionally, Uber offers something called contingent liability coverage. This is particularly applicable when you’re using the rideshare app, have no passengers in the car, and are involved in an accident.

In such cases, your personal insurance might not cover the damages. Uber’s contingent liability coverage fills this gap, ensuring protection for both you and any third parties involved in the accident.

What’s the Process for Reporting a Car Accident to Uber or Lyft?

Uber/Lyft has a straightforward process to ensure you can promptly address your accident. Therefore, you must follow these steps to report your accident.

  1. Open the Uber app with your rideshare account.
  2. Go to ride history to locate the trip with the accident.
  3. Tap “Help” in trip details and select “I Was in an Accident.”
  4. Share accident details, such as date, time, and location.
  5. Upload photos or videos as evidence when prompted by the Uber team.
  6. Review the information and submit the complete report to Uber.

Furthermore, to reach an Uber representative regarding an accident, select the Safety Incident Reporting Line. Alternatively, you can submit a crash report by following this link.

Does Uber/Lyft Provide Insurance for Your Car Accident?

Yes, Uber/Lyft does provide you with insurance coverage in the event of an accident. However, this coverage is divided into three phases, such as: 

Phase 1: Driver’s Own Personal Insurance Policy

When your Uber app is off, your personal insurance will be in effect, covering any accidents you may be involved in. In such cases, your own liability insurance will cover property damage. In New York, the law requires a minimum liability insurance coverage as follows:

  • $25,000 for bodily injuries to a single person in an accident (non-fatal).
  • $50,000 for injuries resulting in the death of one person in an accident.
  • $50,000 for non-fatal injuries to two or more persons in an accident.
  • $100,000 for injuries to two or more persons in an accident (resulting in death).
  • $10,000 for property damage in one accident.

Phase 2: Uber or Lyft Third-Party Liability Coverage

When you’re using the Uber or Lyft app while waiting for a ride request, the rideshare companies provide third-party liability insurance. This insurance is designed to protect you in case you cause harm to others while driving for them.

However, this coverage does not extend to injuries or damages to the Uber driver, nor does it come into play if the driver’s personal insurance adequately covers the situation. Essentially, it serves as a backup plan when the personal insurance of the rideshare driver either doesn’t apply or doesn’t provide sufficient coverage.

The standard third-party liability coverage includes:

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

Phase 3: Upto $1 Million Liability Insurance

When you’re on your way to pick up a passenger or have one in the car, Uber and Lyft offer a $1 million insurance policy. This coverage applies regardless of who is liable for the collision.

  • If you have collision and comprehensive coverage in your personal insurance policy, it can also kick in, but with a $2,500 deductible.
  • If the at-fault driver does not have enough insurance, Uber/Lyft provides up to $25,000 UM/UIM coverage.
  • In some states, Uber offers optional injury protection. This specialized insurance is designed specifically for Uber drivers and helps cover injuries and damages resulting from an accident.

Additional Coverage Benefits by Uber

Uber might offer extra coverage based on your state’s laws, such as: 

  1. You will get additional coverage if you get hurt in a hit-and-run crash caused by another driver with insufficient insurance. 
  2. Personal injury protection (no-fault insurance) covers your medical bills and lost wages, regardless of fault.
  3. Medical payment coverage (Medpay) is available to cover your medical bills, no matter who’s at fault for the crash.

Uber Insurance Requirements in New York

NYC law mandates different qualifications or insurance requirements for Uber drivers as compared to basic liability insurance requirements for ordinary drivers. According to the VTL Article 44-B, the minimum insurance coverage for rideshare drivers in New York City depends upon two periods:

Period 1

When logged into the Uber app without a passenger, the insurance policy must provide coverage (75/150/25 coverage) of:

  • $75,000 for bodily injury
  • $150,000 for bodily injury to two or more persons
  • $25,000 for property damage

Additionally, this policy should include underinsured/uninsured motorist coverage (UIM) and personal injury protection (no-fault insurance).

Period 2

When carrying a passenger in an Uber vehicle, the insurance policy requirements increase. The coverage must include:

  • $1,250,000 for bodily injury or property damage.
  • $1,250,000 for supplemental uninsured/underinsured (SUM) insurance and personal injury protection (PIP coverage).

Types of Damages Compensated by Uber/Lyft in Car Accidents

When seeking compensation for damages from a car accident involving rideshare companies, it’s important to consider several key factors. These involve the specific details of your accident, the insurance coverage provided by Lyft or Uber, and the legal regulations where the accident occurred.

Generally, the following types of damages are often covered:

  • Medical expenses for emergency services, hospitalization, treatments, and physiotherapy.
  • Costs for ongoing medical care due to accident injuries.
  • Compensation for future lost earnings due to injury-related work incapacity.
  • Expenses for vehicle and personal property repair or replacement.
  • Compensation for loss of enjoyment of life, daily activities, or hobbies.
  • Pain and suffering damages, including physical pain or anxiety.
  • Funeral costs, such as loss of financial support and loss of companionship.
  • Punitive damages for negligent or reckless driving behavior by the at-fault driver.

Consult Uptown Injury Law, PLLC, for expert personal injury legal assistance. Our attorneys can effectively negotiate with insurance companies to maximize your compensation. Begin your no-cost case evaluation today.

Uber car accident personal injury lawyer

How a Lawyer Can Assist You With Uber Car Accidents?

A skilled lawyer can investigate your accident thoroughly to establish who is at fault. This is essential for determining which party’s insurance will cover your damages and injuries. Furthermore, dealing with insurance companies can be overwhelming. Your attorney can handle the communication with the insurance company, ensuring that you seek the compensation you deserve.

Uber has specific insurance policies for car accidents. An accident lawyer can support you in understanding how the Uber insurance policy applies to your case and work to maximize your compensation.

In cases where you fail to negotiate with insurance companies to yield a fair settlement offer. Your lawyer can initiate a personal injury lawsuit against the at-fault party, whether it’s the Uber/Lyft driver, another driver, or a third party responsible for your accident.

Consult Uptown Injury Law for Free Case Evaluation Today!

If you or a loved one has suffered injuries in an Uber/Lyft accident, we understand the difficulties you’re facing. At Uptown Injury Law, PLLC, our New York personal injury lawyers are here to help you. With over 15 years of trial experience in handling Uber accidents, we know exactly how to deal with the insurance company to make sure you receive compensation for your sufferings.

Our committed attorneys will serve as legal experts and compassionate advocates throughout your case. We’ll work closely with you to create a tailored legal plan that suits your unique needs and situation.

With our guarantee of a personalized approach and a No Win, No Fee policy, you can concentrate on your recovery without any concerns. Call us today at 917-540-8728 or schedule your FREE consultation.


What Should I Do After a Car Accident While Driving for Uber?

If you’re driving for Uber when your accident occurs, ensure that all parties are safe, call 911 if necessary, and then contact Uber’s Safety Incident Reporting Line available in the app’s safety toolkit. Here, you can provide details about your accident and follow their instructions.
Additionally, if you are in a car accident while using Uber, you must consult your Uber accident attorney quickly. A lawyer can guide you with the initial steps to take after the accident. Or you can reach out to Uptown Injury Law, PLLC, Uber accident lawyers to get a free consultation.

Will Uber’s Insurance Cover Me in a Car Accident?

Yes, Uber provides you with insurance coverage. However, the extent of this insurance depends on the type of your trip. If your Uber app is off, your personal insurance takes over. When the app is on, and you’re waiting for a ride, Uber’s third-party liability insurance applies. However, once you’re on the way to pick up or have a passenger, Uber or Lyft’s $1 million insurance comes into play.
Contact Uptown Injury Law, PLLC, New York Uber accident attorneys for personalized guidance on your situation. We’ll help you know Uber’s insurance policies and ensure you receive the highest compensation.

What if the Other Driver Is at Fault in a Rideshare Accident?

If the other driver is responsible for an accident, Uber can still provide insurance coverage to you. In such cases, they provide uninsured/underinsured motorist coverage (UM/UIM). This coverage comes into play if the at-fault driver either lacks insurance or has inadequate coverage. It can pay up to $25,000 for your damages.

How Do I Report a Car Accident to Uber?

To report a car accident on Uber, navigate to the “Help” section in the app and select “I was in an accident.” Follow the prompts to provide incident details and upload any necessary documentation. Furthermore, if you prefer to speak with an Uber representative, choose the “Safety Incident Reporting Line” option. Alternatively, you can submit a crash report through this link.

What Information Should I Gather at the Scene of the Accident?

You must collect essential information, such as the other driver’s details, witnesses’ information, photos of your accident scene, and any relevant documentation. You can share this information with the local police and the rideshare company. 
To gather evidence for your case, schedule a FREE case evaluation with Uptown Injury Law, PLLC, New York Uber accident lawyers. We’ll assist you in obtaining the required documentation to support your claim and ensure you receive fair compensation.

Is There a Deductible for Uber’s Insurance Coverage?

Yes, you are responsible for a $2500 deductible up to your vehicle’s actual cash value. This protection from Uber applies to your personal insurance for comprehensive and collision coverage. It covers repairs to your car, regardless of fault. But it only works if you already have comprehensive and collision coverage in your own insurance policy.

Are Uber Drivers Employees or Independent Contractors?

Rideshare company considers their drivers as independent contractors rather than employees. This classification allows their drivers flexibility in setting their schedules but limits certain benefits and protections associated with employee status.
Furthermore, rideshare companies claim independent contractor status for drivers to avoid legal liabilities in the event of accidents, aiming to protect themselves from court proceedings.


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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