Uber and Lyft Third Party Accident Claims

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If you’ve been involved in a car accident with a rideshare service like Uber or Lyft, you might be unsure who is responsible for compensating you. In such cases, know that Uber and Lyft have legal obligations to protect third-party accident victims. They provide insurance coverage for bodily injury and property damage caused by their drivers. 

However, the insurance coverage for rideshare accidents is limited and may not fully compensate for losses in severe or fatal accidents. Additionally, Uber and Lyft operate under an independent contractor model, which protects the company during accident cases.

As a car accident victim, clarity on these matters is essential for seeking the justice and compensation you rightfully deserve. If you were in an Uber or Lyft accident, call the NYC car accident lawyers at Uptown Injury Law, PLLC, today for a free consultation on your rideshare accident case.

Uber and Lyft Liability System For Third-Party Victims

Both Uber and Lyft have a liability system for you if you are a third-party victim and had an accident with the rideshare driver. The liability coverage is designed to compensate the victim for any injuries or damages they may have sustained. 

When an accident occurs, the rideshare company investigates the incident to determine who is at fault. If the Uber or Lyft driver is at fault, the company’s liability insurance policy covers your damages up to the policy limits. 

Both Uber and Lyft provide up to $1 million in liability insurance for bodily injury and property damage caused by their drivers. This coverage kicks in when the driver accepts a ride request and remains until the ride completion. Drivers must also carry auto insurance that meets state minimums to stay safe. It comes into effect when the driver is off-duty.

To seek a prompt settlement, report your accident to Uber or Lyft immediately. Both companies have a claims process that you can go through to seek compensation for any damages or injuries.

How Does Rideshare Insurance Protect Third-Party Victims?

In car accident cases, both Uber and Lyft provide liability insurance. This insurance covers any damages caused to third parties by their drivers. The coverage offered depends on the driver’s status during the accident.

Coverage for Uber Drivers on Prearranged Trips

  1. Liability Insurance: Uber provides $1.25 million of liability insurance per accident to protect you as the third party in the accident.
  2. Supplementary Uninsured/Underinsured Motorist Insurance: This coverage protects you as an Uber passenger if an uninsured or underinsured motorist injures you. It provides up to $1.25 million of coverage per accident.
  3. Contingent Comprehensive/Collision Coverage: If the Uber driver maintains personal comprehensive and collision insurance, Uber will offer physical damage coverage for a vehicle up to the cash value of the damages or the cost of a vehicle repair (whichever is less), with a $1,000 deductible.

Coverage for Uber Drivers Between Trips

  1. Liability Coverage: When the driver is online but not picking up or transporting passengers, Uber provides $75,000 of bodily injury insurance per person and $150,000 per accident, plus $25,000 for property damage.
  2. Uninsured Motorist Insurance: This coverage protects the occupants of an Uber vehicle in cases where the at-fault motorist is uninsured or underinsured. It provides up to $25,000 in bodily injury liability per person/$50,000 per accident and $50,000 per person for a fatality/$100,000 per accident for fatalities.

Additionally, Uber and Lyft drivers in New York may face limited coverage between trips when they are “online.” Thus, some Uber drivers opt for commercial auto or supplemental rideshare insurance to ensure complete coverage. You can add this type of insurance to your personal insurance policy for an extra fee, as it combines private and commercial car insurance.

Uber Driver No-Fault Insurance Policy in New York

Uber drivers must carry the minimum insurance requirements mandated by the state of New York. It includes personal injury protection for $25,000 of bodily injury limits per person injured in an accident, $50,000 of personal injury protection per accident, and $10,000 of property damage limits per accident. This auto insurance coverage only kicks in when Uber and Lyft drivers are off duty and have an auto accident.

What Are the Third Parties’ Claims Against the Ridesharing Company? 

The claims made by third parties against a ridesharing company can vary, but they typically include issues related to safety, liability, and compensation.

For instance, safety is one of the main concerns for ridesharing passengers. If you get into an accident or experience harm during a ride due to the driver’s actions, you can claim the company to seek compensation for your injuries.

Moreover, it is difficult to establish who is at fault for an accident involving a ridesharing vehicle. Depending on the situation, the other vehicle’s driver, the ridesharing company, and its driver may be held responsible. You can always claim the ridesharing company to seek compensation for your damages and losses.

Compensation is also an important issue that may arise in Uber or Lyft claims. If you endure injuries or property damage, you can secure financial compensation to cover your medical bills, lost income, and other damages. The ridesharing company may be responsible for providing this compensation if their driver was at fault for the accident.

In addition to safety, liability, and compensation, there are other types of rideshare claims that you may make against a ridesharing company. For example:

  • Discrimination claims if you feel discriminated against based on your gender, race, or other protected characteristic.
  • Sexual harassment or assault claims if a driver or other employee of the ridesharing company engages in such behavior.
  • Claims for property damage or harm to your property caused by a ridesharing vehicle.

It is important to remember that you have legal rights as a third party and can seek the compensation you deserve if you have suffered losses in an accident involving a rideshare vehicle. 

Who Is the Third Party in Uber and Lyft Accidents?

If you get into an Uber or Lyft accident as a passenger or driver in the other car or a pedestrian, you are a third party. This means that you are not directly affiliated with the ride-sharing company but are still affected by the accident. As a third party, you may suffer property damage or injuries due to the fault of the Uber or Lyft driver. In such a situation, you must be aware of your rights and options for seeking compensation for your losses.

Rights of Third Parties in Uber and Lyft Accidents

One of the most essential rights of third parties in Uber and Lyft accidents is the right to fair compensation for any damages incurred. This compensation may include the following:

  • Medical bills
  • Rehabilitative costs
  • Lost income
  • Pain and suffering
  • Permanent disability or disfigurement
  • Loss of enjoyment of life
  • Loss of consortium

Types of Compensation Third Parties May Pursue in Uber or Lyft Accidents

If you are a third party in an Uber or Lyft accident, you can pursue different types of compensation. These include medical expenses, lost wages, property damage, and pain and suffering. The compensation you can secure will depend on the accident’s specifics and the extent of your injuries or losses. Below are some of the damages you can recover in a third-party rideshare claim:

Medical Bills

Medical expenses are one of the most common damages in third-party rideshare claims. These include emergency treatment, hospitalization, surgery, and ongoing medical care expenses. If you require ongoing medical treatment for severe bodily injury like whiplash or traumatic brain injury, you may be entitled to compensation for future medical bills as well.

Rehabilitative Costs

If you require rehabilitation after your accident, you may be entitled to compensation for these costs. This can include the cost of physiotherapy, occupational therapy, and other forms of rehabilitation.

Lost Wages

You may be entitled to compensation for lost wages if you miss work due to your accident. This can include both present and future lost income, as well as lost earning capacity if your injuries disrupt your future work life. 

Pain and Suffering

If you experience physical and emotional pain or mental anguish as a result of your accident, you can claim pain and suffering damages. This damage financially compensates you for the physical and emotional toll of the injuries.

Permanent Disability or Disfigurement

If your accident causes permanent disability or disfigurement, you may be entitled to compensation for these losses. This can include compensation for the cost of ongoing medical treatment and the impact of your injuries on your quality of life.

Loss of Enjoyment of Life

If your injuries impact your ability to enjoy life as you did before the accident, you can seek financial compensation for loss of enjoyment of life. This can include compensation for hobbies or activities you can no longer participate in and the mental and emotional toll of losing the ability to enjoy life as you did before.

Loss of Consortium

If your accident impacts your ability to maintain a relationship with your partner/spouse, you can claim compensation for loss of consortium. This can include loss of love, companionship, and intimacy resulting from the injury.

It’s essential to understand that every car accident case is unique, and the amount of damages you can secure will depend on the specific circumstances of your accident. However, punitive damages may also be available if the driver’s actions, such as drunk or reckless driving, were illegal or particularly egregious.

Therefore, if the Uber or Lyft driver responsible for your accident had a history of reckless driving or was engaging in dangerous behavior while driving, the experienced rideshare accident lawyers from Uptown Injury Law, PLLC, would likely pursue punitive damages on your behalf. These damages punish the driver’s actions and discourage others from engaging in similar misconduct.

Can You Sue the Rideshare Company as a Third Party?

Yes, you can sue the rideshare company as a third party, but it can be complex. In New York, the no-fault rules may prevent you from initiating a car accident lawsuit to obtain damages after a pedestrian accident. However, this does not mean you cannot recover compensation for an Uber or Lyft accident.

New York State has “no-fault” insurance rules that aim to reduce the number of lawsuits. It ensures that everyone’s car insurance can cover them after an accident. This means that even if you injure yourself while walking, your car insurance can cover your injuries. Also, if your injuries are severe, you may be entitled to sue the at-fault driver.

In New York, “serious” injuries are defined by Article 51 of NY’s Insurance Law. “Serious” injuries are those that result in damages over $50,000 or cause a wrongful death, permanent injury, disfigurement, limitations, or loss of function. Additionally, serious injuries impede a person’s ability to perform day-to-day tasks, such as work, house chores, or childcare, for at least 90 of the next 180 days. Understanding a serious injury threshold is essential for determining the injury severity and the losses that may be awarded in a personal injury lawsuit.

It is best to speak with an attorney to determine if your injuries are “serious” enough to warrant a lawsuit. Even if your injuries are not severe enough to take your case to court, you can still file a claim against the Uber or Lyft driver’s insurance.

Examples of Driver Negligence in Uber or Lyft Accidents

As a rideshare driver, you must meet certain expectations to ensure the safety of your passengers and other drivers, pedestrians, occupants, etc. If you fail to exercise reasonable care, you can cause injuries and legal battles. Here are some examples of driver negligence in Uber or Lyft accidents:

  1. Distracted Driving

As a rideshare driver, you can access numerous tools, including smartphones, GPS systems, and entertainment devices. While these tools can make your driving experience smoother, they also raise the risk of distractions. Thus, be accountable for your actions and cultivate safer driving habits to avoid accidents and injuries.

personal auto insurance policies, Uber or Lyft vehicle accidents
  1. Speeding

If you don’t adjust your speed based on the current road conditions, you’re putting yourself and others in danger. Speed can lead to accidents even if you’re driving below the posted speed limit. You must pay close attention to your surroundings and be mindful of other drivers to prevent collisions. Your inattention could be counted as negligence and cost you multiple accident claims.

  1. Traffic Light Violations

You can violate traffic lights by breaking the signal not only at red lights but also at yellow lights. It also includes making a right turn on the red light. To avoid causing accidents, you must adhere to traffic laws and drive cautiously.

  1. Impaired Driving

As a rideshare driver, it’s crucial to remain sober when operating a vehicle. Like alcohol, certain medications can impact your driving behavior and lead to severe accidents and injuries. Even if you don’t face criminal charges, you may still be responsible for compensating accident victims for their injuries. 

How Lawyers Protect Third-Party Victims in Rideshare Accidents?

An Uber/Lyft accident attorney can protect your legal rights if you’re a third-party victim in an Uber or Lyft accident. They can negotiate with insurance companies and secure the maximum financial compensation you need for a complete recovery.

Remember that determining liability can be complex, especially in rideshare accidents. This is where seasoned car accident lawyers bring in their expertise. They can help you understand the claim process and ensure you are not held responsible unfairly. 

In addition to legal representation, an attorney can also gather evidence to support your claim. This may include obtaining medical records, collecting witness statements, and reviewing police reports.

It’s essential to act quickly, as there are often tight deadlines for filing personal injury claims. With the help of a personal injury lawyer, you can protect your legal rights and get the compensation you deserve. Don’t hesitate to reach out and schedule a consultation, which is entirely free of cost. 

Contact Uptown Injury Lawyers Today For Your Uber Accident Case

If you’ve been in an accident while using Uber or Lyft, don’t hesitate to get in touch with one of our experienced car accident lawyers at Uptown Injury Law, PLLC. We provide free and confidential consultations without any obligation to proceed with our services. Our New York-based personal injury law firm is dedicated to securing maximum financial compensation for you, and we won’t charge you a dime until we’ve successfully resolved your claim. Take a look at our impressive track record of $100 million in settlements or our satisfied client reviews.

Don’t delay your legal process any further. Book an appointment online or call us today at our toll-free number, 917-540-8728, to discuss your case.


What Is a Rideshare Accident, and Who Is Liable in Such Cases?

A rideshare accident is a vehicle accident involving a rideshare driver. In these accidents, the liability depends on the accident’s circumstances and the parties involved. If the rideshare driver’s negligence causes the accident, the driver and the rideshare company may be liable for your injuries.

Which Insurance Policies Protect Third Parties Involved in Rideshare Accidents?

You may be eligible for the rideshare company’s liability insurance policy as a third party in rideshare accidents. You can also claim the driver’s personal auto insurance policy or your own underinsured/uninsured motorist coverage. To know more about your options, consult an attorney or insurance provider who can guide you.

What Happens if You Are Injured in a Rideshare Accident?

If you endure injuries in a rideshare accident, the rideshare company’s insurance will compensate you based on the driver’s fault. You can claim the insurance company to cover your medical bills, lost wages, and the physical and emotional pain you endured.

Will the Rideshare Driver’s Personal Insurance Policy Cover an Accident Claim?

Generally, a rideshare driver’s personal insurance policy will not apply to a rideshare accident claim. Personal auto insurance does not cover commercial activities like ridesharing. However, if the rideshare driver is not on duty, their auto insurance coverage will kick in to cover the damages.

Can You Make a Personal Injury Claim Against a Rideshare Company?

Yes, you can claim personal injury against the rideshare company if you get hurt in a rideshare accident. But, it’s essential to note that rideshare companies usually classify their rideshare drivers as independent contractors, not employees. As a result, it can be challenging to hold the company responsible in most cases.

What Steps Should You Take After a Lyft Car Accident?

After a Lyft car accident, seek immediate medical attention if necessary. Report the accident to Lyft and the other driver’s insurance company and gather evidence such as photos and witness statements. You should also consult with a car accident attorney who can pursue compensation for your injuries.

Does Lyft’s Insurance Coverage Cover Passengers and Third-Party Victims?

Lyft offers liability insurance coverage of up to $1 million. It includes injuries and property damage to both you and any third-party victims. This coverage starts when the driver accepts your ride request and lasts until the ride ends. However, the drivers must have their own personal insurance that meets state minimums. Personal insurance allows maximum protection for everyone involved.

Can You Pursue a Personal Injury Lawsuit Against the Rideshare Driver?

If you endured injuries in a rideshare accident, you can fight a personal injury lawsuit against the rideshare driver. It is important to note that the lawsuit must be filed in New York within three years from the accident date. However, the rideshare company may offer a settlement to avoid going to court.


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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