Uber and Lyft Both Carry
a $1 Million Liability Policy.
The coverage that applies depends on what the driver was doing at the time of the accident. We know how to navigate every scenario to maximize your recovery.
Driver logged in but waiting for a request. Limited contingent liability coverage applies through Uber/Lyft.
Driver accepted a trip and is on the way to pick up the passenger. Full $1M policy is active.
You're in the vehicle. Full $1M liability plus uninsured/underinsured motorist coverage is active.
Every Type of Rideshare Accident Victim
Passengers in Uber & Lyft
If you were riding when an accident occurred — whether the rideshare driver was at fault or another driver was — you are covered under the $1M policy and may have additional claims against the at-fault driver.
Pedestrians & Cyclists
Hit by an Uber or Lyft driver while walking, cycling, or crossing the street? If the driver was on a trip or en route to a pickup, the full $1M policy covers your injuries directly.
Other Drivers
An Uber or Lyft driver hit your car? If they were carrying a passenger or en route to a pickup, the full $1M policy applies to your property damage and bodily injury claims.
Uber & Lyft Drivers
Both companies classify drivers as independent contractors, making workers' comp complex — but you may still have claims against the at-fault driver and potentially the company itself. We evaluate every angle.
Uber or Lyft? We Have
Dedicated Pages for Each.
While both cases involve the $1M rideshare policy, there are differences in how Uber and Lyft handle claims, their driver vetting processes, and their insurance carriers. Get the specific information that applies to your case.
Uber Accident Lawyer
Complete guide to Uber's $1M policy, all three coverage periods, who qualifies, and how to file. NYC-specific, free consultation.
Uber Accident Page →Lyft Accident Lawyer
Complete guide to Lyft's $1M policy, all three coverage periods, who qualifies, and how to file. NYC-specific, free consultation.
Lyft Accident Page →What to Do Right Now
Call 911
Get police and EMS on scene. You need a police report number — this is critical for the insurance claim.
Screenshot the App
Before closing it, screenshot your Uber or Lyft app showing the trip details, driver name, and vehicle information.
Take Photos
Photograph the vehicles, the scene, any visible injuries, and all license plates before anyone moves anything.
Call Us Before Insurers
Do not give a recorded statement to Uber, Lyft, or any insurance company before speaking to us. Call (212) 300-3191.
Their Insurance Company
Is Already Working Against You.
Uber and Lyft's insurers move fast to minimize claims. Don't wait. Call RideShareCuz — we know exactly how to maximize rideshare accident recoveries in New York.
📞 (212) 300-3191 — Free CallNo fee unless we win · Free consultation · Available 24/7
Rideshare Accident FAQ
Does it matter if the Uber or Lyft driver was at fault?
If you were a passenger, no. Uber and Lyft's $1M policy covers passengers regardless of who caused the accident — the rideshare driver, another driver, or even a road defect. If you were a pedestrian or another driver hit by a rideshare vehicle, fault does matter, but the rideshare company's policy still applies if the driver was on a trip.
How long do I have to file a claim in New York?
Generally three years from the date of injury for personal injury claims under CPLR § 214. However, if a government vehicle or public road defect is involved, notice of claim deadlines can be as short as 90 days. Do not wait — call us immediately so we can evaluate all applicable deadlines.
Uber offered me a settlement. Should I accept it?
Do not accept any settlement without speaking to an attorney first. Early settlement offers are almost always significantly below the full value of the claim. Once you accept and sign a release, you cannot file suit. Call us before responding to any offer.
I was an Uber driver and got hurt on the job. Do I have rights?
Yes. Uber and Lyft classify drivers as independent contractors to avoid workers' compensation obligations, but you still have claims against the at-fault driver and potentially the company itself depending on the circumstances. New York courts have increasingly scrutinized the IC classification in rideshare contexts. Call us — this is a developing area of law we follow closely.
What if the driver was not logged into the app at the time?
If the driver was not logged in, Uber and Lyft's commercial policy does not apply. You would need to pursue a claim under the driver's personal auto insurance. This is a common tactic insurers use to limit their exposure — we know how to challenge it and how to verify the driver's app status through discovery.