Uber & Lyft Accident Lawyer | Rideshare Claims — Pathway Law Firm

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Uber & Lyft accident lawyer

Rideshare cases are not car accident cases. Whether $1,000,000 of coverage is available or $50,000 comes down to one thing: what the driver's app was doing at the moment of impact. We prove it.

THE SHORT VERSION

Who pays: the at-fault driver's insurer, plus Uber or Lyft's policy if the rideshare driver was on an active trip.

Coverage on an active trip: $1,000,000 third-party liability, plus $1,000,000 uninsured/underinsured motorist coverage.

Deadline: 2 years in CA, AZ and TX; 3 years in CO for motor-vehicle claims and in NM — but footage can be gone in 14 days.

Cost to hire us: $0 up front, no fee unless we win.

THE RULE THAT DECIDES YOUR CASE

Uber and Lyft insurance by app status

Both companies divide coverage into three periods. The insurer's first move is to argue you fall in the cheapest one. These are the figures Uber and Lyft publish for the United States.

APP STATUS
LIABILITY COVERAGE
WHAT IT MEANS FOR YOU
App off
Driver's personal auto policy only — often the state minimum ($15,000 per person in CA until 2025 reforms; $30,000 after).
Treated as an ordinary car accident. Your own UM/UIM coverage may become the largest source of recovery.
Available & waiting for a ride
Contingent liability: roughly $50,000 per person / $100,000 per accident / $25,000 property — and only after the personal policy is exhausted or denied.
The gap period. Insurers fight hardest here, and stacking coverages correctly is what protects your recovery.
On an active trip
(ride accepted → drop-off)
$1,000,000 third-party liability, plus $1,000,000 uninsured/underinsured motorist coverage.
The full policy is in play — even if the driver who hit you had no insurance at all. This is the period worth proving.

Coverage amounts reflect Uber and Lyft's published U.S. insurance policies and can change. Verify the policy in force on your date of loss — we request the declarations page in every case.

Who we represent in rideshare cases

Passengers

The strongest position in the case. You are almost never at fault, and on an active trip the $1M policy is available no matter which driver caused it.

Other drivers

Hit by an Uber or Lyft. Your claim depends entirely on the app status we can document from trip records.

Pedestrians & cyclists

Struck near a pickup or drop-off, often mid-block. Distracted-driver evidence lives in the app data.

Rideshare drivers

Injured while driving for the platform. You may have UM/UIM coverage through the app you did not know existed.

OUR PROCESS

What we do in the first 72 hours

Rideshare evidence is digital, owned by a corporation, and set to expire. Speed is the case.

Start the clock in your favor
01

Preservation demands to Uber and Lyft

Trip logs, driver app status, GPS breadcrumbs, in-app messages and telematics — demanded in writing before routine deletion.

02

Video canvass of the scene

Doorbell cameras, business security systems, transit and city cameras. Most overwrite in 14 to 30 days. We knock on doors.

03

Coverage mapping

Every policy that could pay: the rideshare layers, the driver's personal policy, your own UM/UIM, MedPay and health coverage — stacked in the right order.

04

Medical care coordinated, adjusters blocked

We get you treating with providers who will wait to be paid, and every insurance call routes to us from that point on.

$5.5M

RIDESHARE RECOVERY

The carrier insisted the driver was offline and offered the personal policy limits. App records and trip data proved an active ride in progress, which opened the $1,000,000 liability layer — and the settlement went well past it once we documented the full extent of our client's injuries.

See more case results →

RIDESHARE FAQ

Questions we get every week

Answered plainly, by lawyers who handle these claims — not summarized from someone else's blog.

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Rideshare accident lawyers near you

We handle Uber and Lyft claims across every market we serve, including the dense pickup corridors around nightlife districts, stadiums and airports.

Beverly Hills Costa Mesa Vista San Diego Phoenix Dallas