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Who is Liable in an Uber or Lyft Car Accident?

Uber Lyft Car Accident Liability Attorney Minnesota

Understanding Uber and Lyft Car Accident Claims

The rise of ride-hailing companies like Uber and Lyft have placed a large number of vehicles on the road taking passengers back and forth to destinations all over. These vehicles and services range far and wide from San Francisco to Miami and even abroad. With these vehicles on the road comes the risk of car accidents. Many who become involved in an accident involving an Uber or Lyft vehicle will wonder how exactly a car accident claim would work in this situation.

Uber and Lyft Vehicle Accident Claims

When someone gets into a car accident involving an Uber or Lyft vehicle that may be at fault then the first issue to address is determining liability. The liability in these accidents depends entirely on the circumstances which can make the liable party vary pretty greatly. On top of that, a plaintiff in an Uber or Lyft accident claim has to be able to prove that the liable party was negligent.

By being able to prove that driver was negligent by, for example, drinking while driving or making reckless maneuvers with their vehicle that violate street laws, then a plaintiff can make a case for receiving compensation for the damages they received from the accident. This goes for passengers of an Uber or Lyft vehicle as well as drivers of vehicles that an Uber or Lyft vehicle collides with.

In order to best pursue legal action after an Uber or Lyft accident, consider hiring an experienced Uber and Lyft accident attorney. They can significantly increase the chances of your claim getting you the level of compensation that you need. Experienced Uber and Lyft car accident lawyers like Sand Law have resources to help you navigate the legal process, investigate the accident, secure evidence to prove negligence, and handle negotiations with insurance companies.

Liability for Uber and Lyft Accidents

It is important to note that Ubers and Lyfts are not taxis and are not legally considered taxi services. This means that the kind of liability that one would expect with a taxi accident claim is not applicable to a car accident claim involving an Uber or Lyft. Uber and Lyft are not considered taxi or private transport companies and instead are considered software companies. They simply provide an app that allows people to hail rides from drivers that also use the Uber or Lyft app. Uber and Lyft do not directly hire their drivers and instead the drivers are considered more like independent contractors.

However, Uber and Lyft still maintain accountability for the drivers that utilize their apps by utilizing insurance coverage depending on the circumstances of the accident. So despite not being able to sue Uber or Lyft as an employer of their drivers like one might sue a taxi or trucking company, they still will have a certain level of coverage.

Uber and Lyft Insurance Coverage

The level of insurance coverage that someone may be afforded by Uber and Lyft should they be involved in an accident with an affiliated vehicle depends on the circumstances of the accident. There are three scenarios in which a person may find themselves in when it comes to Uber and Lyft accidents.

Uber and Lyft Vehicle Driven for Private Use With App Not Active

Should an Uber or Lyft driver be driving their vehicle for their own personal use without the app on and not active, then Uber and Lyft are not part of the equation. Since the vehicle is being driven for personal use and it is not actively being used as part of the Uber or Lyft service then an accident with that vehicle would be the same as with pretty much any other car.

Uber and Lyft Vehicle is Waiting for a Ride Request

When an Uber or Lyft is waiting for a ride request they may become involved in an accident and have limited coverage afforded by Uber and Lyft. The Uber or Lyft would have third party liability coverage when the Uber or Lyft is at fault. That means that should an Uber or Lyft cause an accident in this scenario, then the other party that’s damaged would receive the following coverage.

$50,000 per person/$100,000 per accident for bodily injury

$25,000 per accident for property damage

The Uber or Lyft driver would have to go through their own insurance since it was their fault. They would also not receive any coverage from Uber or Lyft if it wasn’t their fault either.

Uber and Lyft Vehicle is on Way to or Carrying a Passenger

If an Uber or Lyft is actively on their way to a ride hail request from a passenger or is in the process of driving that passenger then Uber and Lyft will extend coverage towards an accident. There is third party liability coverage for the other parties involved should the Uber or Lyft driver be at fault. Coverage is at least $1 million per accident.

Uber and Lyft will also provide uninsured motorist bodily injury coverage. The driver and anyone in the Uber or Lyft during an accident caused by another driver are covered when there is insufficient insurance for at least $1 million.


If you have been involved in a car accident with an Uber or Lyft and have suffered injuries, then you could be entitled to compensation. You could have been involved in an accident where you collided with an Uber or Lyft vehicle or even have been a passenger using the Uber or Lyft ride-hailing service. Whichever one, you could use the services of an experienced lawyer to help in taking legal action to secure compensation for any damages you may have suffered.

Consider contacting Sand Law about a possible car accident injury claim and how we can assist you in seeking compensation for your injuries. Your primary concern should be recovery and we understand that balancing that with an injury claim can be difficult. Allow us to represent you and help secure a settlement you are comfortable with while you heal. Contact us online or call at (651) 291-7263

Sand Law LLC

7650 Currell Blvd #3140

Woodbury, MN 55125

(651) 291-7263