Uber & Lyft

Passenger Injured In An Uber or Lyft Accident

If you were injured while a passenger in an Uber or Lyft car, you can sue both the Uber or Lyft driver and the owner and driver of other cars involved in the accident. Passengers in an Uber or Lyft car get a lot of insurance coverage to pay for injuries (see how much insurance below).

What If Uber or Lyft Driver Didn’t Cause The Accident?

If your Uber or Lyft driver wasn’t at fault like when you’re hit in the rear it’s likely the car that caused your accident will not have enough insurance to pay for your injuries. But Uber and Lyft, have substantial uninsured and underinsured insurance coverage to pay you above what the other car has, so you will get the money you deserve.

My Car Or Motorcycle Was Hit By An Uber or Lyft

If you had a car accident or motorcycle accident with an Uber or Lyft car, there is at least $100,000 insurance but there may be a lot more.

If the Uber or Lyft car was logged into the Uber or Lyft app on the driver’s phone and had a passenger, you will have much more money available to pay for your medical treatment, lost wages, and pain and suffering. We can easily find out what the status of the Uber or Lyft driver was at the time of the accident, even if the passenger leaves the accident scene.

How Much Insurance Does Uber or Lyft Have?

New York taxis are only insured for $100,000 but when working Uber and Lyft drivers have far more insurance.

Uber and Lyft cars are ride-sharing companies, not taxis, and when logged into the Uber or Lyft app they are insured for a lot more money than a taxi.

If you had an Uber or Lyft accident, we know how to find all the insurance money.

Uber Insurance Coverage Amounts

Uber insurance coverage when the Uber driver is logged into the app with a passenger:

  • up to $1,250,000 from Uber plus $100,000 from the Uber driver’s policy.
  • up to $1.25 million of supplementary uninsured, if injured in a hit and run accident, the other car has no insurance or is stolen.
  • up to $1.25 million of supplementary underinsured motorist bodily injury insurance per covered accident if the other car doesn’t have enough insurance to pay for your injury.
  • No-fault coverage (e.g., Personal Injury Protection)  $50,000.

Lyft Insurance Coverage Amounts

Lyft insurance coverage when the Lyft driver is logged into the app with a passenger:

  • up to $1,000,000 from Lyft plus $100,000 from the Lyft driver’s policy.
  • up to $1.25 million of supplementary uninsured, if injured in a hit and run accident, the other car has no insurance or is stolen.
  • up to $1.25 million of supplementary underinsured motorist bodily injury insurance per covered accident if the other car doesn’t have enough insurance to pay for your injury.
  • No-fault coverage (e.g., Personal Injury Protection)  $50,000.

What Happens If There Is No Other Vehicle Involved?

If you are an Uber or Lyft passenger injured in an accident that doesn’t involve another car or no other car has insurance, you will have insurance coverage through Uber or Lyft.

Uber and Lyft Safety Tips

diagram showing how to check the car door child safety lock on Uber and Lyft

Before Getting In An Uber or Lyft

Check the car and driver

Check that the make, model, and license plate of the car matches the info on your app.

Check that the driver’s photo matches the photo on your app.

Always ask “What’s my name and where am I going?”

Someone posing as an Uber or Lyft driver won’t know your name. Only the real Uber or Lyft driver will know your name and your destination.

The parents of Samantha Josephson started the #WhatsMyName Foundation in honor of their daughter.  Their mission is to educate the world on ride-share safety.

Check the child safety lock

Before getting in an Uber or Lyft car, check the child safety lock for the car’s passenger door to make sure it’s not on! If it’s on, you won’t be able to open the door to get out. You can be kidnapped and sexually assaulted or killed if you can’t open the door.

If the child safety lock is on, don’t even get in because the driver must have bad intentions. Notify Uber or Lyft immediately.

See the image above to see how to check the child safety lock to make sure it’s not on.

Put On The Seatbelt

Even though you’re sitting in the back seat, it’s still dangerous. Federal crash statistics show passengers in the rear are three times more likely to die if they aren’t wearing a seat belt.

Use Trip-Sharing

Both Lyft and Uber have in-app trip sharing features that allow you to share live updates on your trip with friends. Just hit “Share trip status” in Uber or “Share route” in Lyft.

But this will only help in the event something bad happens to you (Samantha Josephson’s boyfriend was tracking her phone during her fatal ride.) If you feel uncomfortable, get out or call 911.

Make sure your phone’s location-sharing is turned on. If you call 911, the police won’t know where you are unless location-sharing is on. Both apps now have an in-app panic button to call 911.

Let The Driver Know The Trip Is Being Tracked

The driver will be less likely to commit a crime when they know someone knows where you are. Make a call and tell someone that you’re on the way in an Uber or Lyft and say, “I’m just calling to let you know I’m in an Uber and I sent you the trip so you’ll know when I’ll get there.”

If they don’t answer or don’t want to call anyone, make believe you are.

Trust your instinct

If something seems “off” or “weird” about your driver, don’t get in. If you already did, get out wherever you see people or traffic. Never threaten your driver that you will call the police. Threats can only worsen the situation. Just get out or call 911 if you feel the need to threaten.

Never Make Deal With Uber or Lyft Drivers

Never make a side deal with an Uber or Lyft driver to save money by logging out of the app. If you do that, you lose all the benefits of Uber and Lyft including safety features.

Benefits when the driver is logged in on the app:

  • Uber and Lyft use GPS to follow the movement of your car. Uber and Lyft will have recorded information showing where the car was at all times including what movements the car made and when. This is valuable information if there is an accident or if you go missing.
  • Uber and Lyft provide substantial insurance coverage.

When the driver is not logged in on the app:

  • Uber and Lyft do not know where you are.
  • Uber and Lyft do not know what movements the car makes.
  • You do not get insurance from Uber or Lyft and the driver’s personal insurance can also disclaim coverage, leaving you with no insurance coverage,

Watch Traffic When Getting In And Out Of The Car

Wait until the car is out of traffic before you attempt to get in. When you get out, exit away from traffic, and make sure not to open the door into bicycles, motorcycles, cars, trucks, or pedestrians. If you open the door into oncoming traffic and cause an accident, it is called dooring.

divider line

Get the HURT911® Personal Injury Dream Team™ on your side and become a member of our family!

“Knowing I had a team of great lawyers on my side gave me a sense of power and peace of mind. They took care of everything for me. When a settlement was negotiated, I saw the difference a team of lawyers makes.”
—Lia Fisse

Please take a look at some of our:

No Win — No Fee — No Expenses — Guaranteed!

Call HURT911® Personal Injury Dream Team Partners Rob Plevy & Phil Franckel right now for a free consultation and find out your rights days/nights/weekends. 
1-800-HURT-911
1-800-487-8911

Then continue to speak, text, or email with us whenever you want throughout your case and afterward, days/nights/weekends, and experience our famous personal service.

Founding Partner Phil Franckel, Esq. talks about difficult cases and the HURT911® Personal Injury Dream Team™

HURT911® Dream Team Partner Attorney Rob Plevy, Esq.

Partner Rob Plevy, Esq.

Get the HURT911® Personal Injury Dream Team on your side!
Call Attorneys Rob Plevy & Phil Franckel days/nights/weekends for a free consultation
1-800-HURT-911

1-800-487-8911

New York Serious Injury Lawyer logo