Rideshare companies do cover damages in accidents, but coverage depends on who was at fault and what the driver was engaged in at the time of the crash. If you were hurt in an accident involving Uber or Lyft, or another ride-hailing service, getting compensation can be complicated. A Milwaukee rideshare accident lawyer from our firm will explain your legal options and deal with insurance companies. We can also assist if another driver caused the crash. You can learn more about what steps to take next during a free consultation with our team
When Do Rideshare Companies Provide Coverage for Accidents?
Rideshare companies like Uber and Lyft provide insurance coverage, but it varies based on when the accident happens. Here’s how coverage works:
- When the driver is not using the app: The driver’s auto insurance applies. Uber and Lyft provide no coverage.
- When the driver is on standby and waiting for a ride request: Rideshare companies provide limited coverage:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 per accident for property damage
- When the driver has accepted a ride or has a passenger: Uber and Lyft provide $1 million in liability coverage, plus coverage for uninsured/underinsured drivers.
If another driver caused the accident, their insurance should pay for damages. However, insurance companies can deny or reduce claims. Our Milwaukee car accident lawyers can help you fight for full compensation.
For a free legal consultation, call 414-276-6666
What Damages Can You Recover in a Rideshare Crash?
If you are seeking compensation from a rideshare accident, you may be able to recover:
- Medical expenses
- Lost income and other earnings
- Pain and suffering
- Property damage
- Damages in fatal accidents: If your loved one died in a rideshare accident, your surviving family members may be able to recover financial recovery for funeral and burial expenses and other expenses.
When a Traffic Crash Happens, Who Is Responsible?
Before we can determine who should cover your losses, we must first establish how the accident happened. The liable parties in your case could include:
- The rideshare driver: If they were speeding, distracted, or negligent.
- Another driver: If another vehicle caused the crash, their insurance should cover damages.
- The rideshare company: If the driver was on the app and transporting a passenger when the crash happened, the company may be liable.
- A third party: Poor road conditions, defective vehicle parts, or a business that over-served alcohol could be factors when determining liability.
We will investigate and gather evidence to prove who was responsible.
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What If a Rideshare Driver Causes an Accident While Off-Duty?
Rideshare drivers are usually considered independent contractors, so the auto insurance they purchased is the primary coverage when they are not actively using the app. If a rideshare driver causes an accident while off-duty:
- Their personal auto insurance must cover damages. Wisconsin law requires drivers to carry minimum liability insurance, but some may have only the bare minimum or an insufficient policy.
- Uber and Lyft’s insurance does not apply. Since the driver was not logged into the app, rideshare company coverage does not extend to the crash.
- You may need to file a claim through uninsured/underinsured motorist (UM/UIM) coverage. If the driver’s insurance is not enough to cover your damages, your UM/UIM policy may provide additional compensation.
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What If the Rideshare Driver in Your Accident Was Uninsured?
Under state law (Wis. Stat. § 440.48(1)(h)), Uber and Lyft require drivers to carry insurance, but some drivers may have inadequate coverage or let their policies lapse. If this happens:
- Uber and Lyft provide uninsured/underinsured motorist coverage when the driver is on a trip.
- If the driver was off duty, you may need to file a claim with your uninsured motorist policy if you have one.
A lawyer can help determine your options and ensure you get the compensation you deserve.
Our Car Accident Lawyers Will Lead Your Case for Damages
A Milwaukee personal injury lawyer from our firm will:
- Investigate the accident and gather evidence.
- Determine liability and which insurance policy applies.
- Identify additional liable parties, such as a vehicle manufacturer, government entity, or a third-party motorist.
- Handle negotiations with insurance companies.
- File a lawsuit if necessary to fight for maximum compensation.
Having our legal team on your side ensures insurance companies do not take advantage of you. You should act as quickly as possible if you are considering getting legal help for your case.Wisconsin limits the time you can sue for damages. Generally, you have three years from the date of the accident to seek damages when a legal action under Wis. Stat. § 893.54. When you contact us, we can tell you how much time you have to file a lawsuit.
We Will Determine if the Rideshare Company Will Cover Your Accident-Related Damages
Before we can decide if the rideshare company will cover your damages from a crash, the outcome depends on who was at fault, what stage the driver was in at the time of the accident, and which insurance policies apply. Rideshare companies provide coverage in some situations, but getting full compensation isn’t always easy. At Gruber Law Offices, our Milwaukee Uber and Lyft accident lawyers have served tens of thousands of clients in Wisconsin for over 40 years.We have what we need to take on insurance companies right away. You don’t have to fight them alone, let our team with over 130 legal professionals fight for you.We get paid only if you receive your settlement—there’s never a fee until we win. Your first case evaluation is free and does not obligate you to hire us. Make “One Call…That’s All!” to get the help you need today.
Call or text 414-276-6666 or complete a Free Case Evaluation form
