Uber and Lyft accidents involve complex insurance rules. Our free rideshare accident calculator estimates your settlement range based on which coverage period applies and your injuries — then connects you with a local attorney for free.
Uber and Lyft accidents are uniquely complex — coverage depends on which “period” the driver was in, creating layers of insurance that directly affect your compensation.
Input your medical expenses, lost wages, and injury severity. Note which coverage period applied: Period 1 (app on, no passenger), Period 2 (en route to passenger), or Period 3 (passenger in vehicle).
Coverage varies dramatically by period — from the driver’s personal insurance in Period 1 to Uber/Lyft’s full $1M policy in Periods 2 and 3. Our calculator applies the correct coverage to your situation.
Rideshare claims require fighting both the driver’s personal insurer AND the TNC’s corporate insurer simultaneously. A specialized attorney navigates both for you — free consultation, no obligation.
Uber and Lyft have designed their insurance structures to minimize corporate liability. Understanding these structures is essential to maximizing your recovery.
When a rideshare driver has accepted a ride or is transporting a passenger, Uber and Lyft provide up to $1 million in third-party liability coverage — one of the highest auto insurance limits available.
When a driver has the app on but hasn’t accepted a ride yet, coverage drops to $50,000/$100,000 — far less than the $1M people assume. Knowing which period applied to your accident is critical.
By classifying drivers as independent contractors rather than employees, Uber and Lyft attempt to limit their direct liability. Experienced rideshare attorneys know how to pierce this classification argument.
You don’t need to be a passenger to have a rideshare accident claim. If a rideshare vehicle caused your accident as a pedestrian or in another vehicle, you may have a claim against the TNC’s policy.
State legislatures continue passing TNC-specific insurance laws. Our content is regularly updated to reflect the current rideshare insurance requirements in your state.
Take a screenshot of the Uber or Lyft app immediately after an accident showing the active ride or driver status. This single piece of evidence often determines which insurance policy applies.
Rideshare travel has grown exponentially — and so have the accidents.
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