As a rideshare passenger, you’re rarely at fault when a crash happens, but that doesn’t mean compensation comes automatically. Multiple insurance policies may apply depending on who caused the crash and what coverage period was active. Here’s what passengers need to know, step by step.
What to do immediately
Your safety comes first. If you’re able to, move to a safe location and call 911 if anyone is injured. Even if injuries seem minor, seek medical evaluation. Some injuries, like whiplash or internal trauma, don’t show symptoms right away. Before leaving the scene, take photos of the vehicles, the surrounding area, and any visible injuries. Get the driver’s name, insurance information, and rideshare trip details (the app records this automatically, but screenshot it anyway). Get contact information for any witnesses and, if police respond, ask for the report number.
Insurance you’re entitled to
As a passenger, you’re covered by Uber or Lyft’s $1,000,000 liability policy for the entire duration of your trip, from the moment you’re picked up until you’re dropped off. This is the highest coverage period the rideshare companies offer. If a third-party driver caused the crash, their insurance may also apply. Because multiple policies can potentially respond, insurers sometimes dispute which one pays first, which is exactly the kind of dispute an attorney can help resolve in your favor.
When you can sue
You generally have the right to pursue a claim any time another party’s negligence caused your injury, whether that’s the rideshare driver, another motorist, or a combination of factors. In California, the statute of limitations for most personal injury claims is two years from the date of the accident, though this can vary depending on the circumstances. Waiting too long can jeopardize your ability to recover compensation, so it’s worth getting a free case evaluation early even if you’re unsure whether you have a claim.
Common injuries
Passengers are often seated without the same crash awareness as the driver, which can lead to whiplash, concussions, and soft-tissue injuries even in lower-speed collisions. Common injuries we see include neck and back injuries, traumatic brain injuries, broken bones, and psychological trauma. Documenting the full extent of your injuries, including ones that develop over the following days, is critical to a fair settlement.
How compensation works
Compensation can cover medical expenses (past and future), lost wages, pain and suffering, and property damage. Most rideshare accident claims are resolved through a settlement negotiated with the applicable insurance company, though some cases proceed to litigation if the insurer refuses to offer fair value. The Herman Firm handles these cases on a contingency basis. You pay nothing upfront, and there’s no fee unless we win.
Related reading: Learn how Prop 22 affects liability claims (it doesn’t block them) and see the full breakdown of rideshare insurance coverage periods.
