What if the Uber driver was not on a trip when they hit me?

If the driver's app was on but no ride was accepted (Period 1), Uber and Lyft still provide contingent coverage of $50,000 per person and $100,000 per accident. We subpoena app data to verify the exact period of service.

Uber & Lyft Accident Attorneys — New York City

Hurt in an Uber
or Lyft in NYC?
There's $1 Million.

When Uber or Lyft drivers have passengers or are en route to a pickup, there's a $1,000,000 commercial insurance policy in play. We know exactly how to access it — for passengers, pedestrians, cyclists, and other drivers. Call us now.

📞 Call Cuz — Free Get Case Review →

$1MUber/Lyft Policy

80KRideshare Cars in NYC

3 YrStatute of Limitations

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✓ Free & Confidential — No Obligation

Were You in a Rideshare Accident?

A rideshare accident attorney reviews your case same day. The call costs you nothing.

Uber Accidents Lyft Accidents $1 Million Insurance Policy Passengers Pedestrians Cyclists No Fee Unless We Win UberCuz.com LyftCuz.com +1 (212) 300-3191 Uber Accidents Lyft Accidents $1 Million Insurance Policy No Fee Unless We Win +1 (212) 300-3191

The Insurance

Here's the Money
That's Waiting for You

Insurance coverage in rideshare accidents is complex and depends on what the driver was doing when the crash happened. Here's exactly how it works — and why you need us to navigate it.

$1,000,000

Uber & Lyft commercial liability coverage when carrying a passenger or en route to pickup

Period 0 — App Is Off

Driver's Personal Insurance

If the driver's app is completely off, only their personal auto insurance applies. Uber and Lyft provide no coverage. We help you pursue the driver's policy and any other available coverage.

Period 1 — App On, No Ride Accepted

$50K / $100K / $25K

Uber and Lyft provide limited contingent liability coverage: $50,000 per person, $100,000 per accident, $25,000 property damage. This kicks in if the driver's personal insurance denies the claim.

Period 2 & 3 — En Route or Carrying Passenger

$1,000,000

When the driver has accepted a trip or has a passenger in the vehicle — this is the coverage that matters most. Uber and Lyft's full $1 million commercial liability policy is in play. This is money we fight to access for you.

Who Can Claim

If a Rideshare Driver Hurt You,
You Have a Claim

You don't have to be a passenger. If you were anywhere near a negligent Uber or Lyft driver, you likely have a claim against their insurance.

🧑‍💼

Passengers

If you were in the Uber or Lyft when it crashed — regardless of fault — you are entitled to full compensation from the $1M policy.

Strongest Claim

🚶

Pedestrians

Struck while crossing the street, on a sidewalk, or anywhere a rideshare driver hit you — you have a claim against their $1M policy.

Full Coverage Available

🚴

Cyclists

Doored by an Uber passenger? Hit by a Lyft driver who didn't see your bike lane? Both driver and passenger may be liable.

Door Zone Claims Too

🚗

Other Drivers

If a rideshare driver caused your car accident, you can pursue both the driver's policy and Uber/Lyft's commercial coverage.

Multiple Sources

Right Now

What to Do in the First
Hour After the Accident

The steps you take immediately after a rideshare accident can make or break your case. Follow these in order.

Get medical help immediately

Even if you feel okay. Adrenaline masks pain. ER or urgent care that day — a gap in treatment will be used against you by the insurance company.

Get the trip receipt from the app

Screenshot your Uber or Lyft trip details immediately. This proves the driver was on duty and establishes which period of coverage applies — critical information.

Photograph everything

Scene, damage, injuries, street conditions. Get the driver's license plate, insurance card, and contact info. Get witness names and numbers.

Call us — before the insurance companies call you

Uber and Lyft's insurance adjusters will try to contact you quickly to get a recorded statement. Do NOT give one without talking to us first. That statement will be used to minimize your claim.

How It Works

From Accident to Settlement —
We Handle Everything

Free Case Review

Tell us what happened. We determine which coverage period applies and map out your full recovery strategy.

Preserve Evidence

We immediately preserve the trip records, driver data, accident report, and any surveillance footage before it disappears.

File No-Fault + Liability

We file your no-fault PIP benefits AND pursue the full liability claim against the $1M commercial policy simultaneously.

Maximum Recovery

Settlement or lawsuit — we don't stop until you receive everything you're entitled to from every available source.

FAQ

Rideshare Accident Questions
Answered Straight

Can I sue Uber or Lyft directly?

It's complicated. Because drivers are classified as independent contractors, you generally can't sue Uber or Lyft for the driver's negligence directly. However, you CAN access their commercial insurance policy — up to $1 million — which is often better than suing the company. In some cases involving negligent hiring we can also pursue the company directly.

What if the Uber driver wasn't on a trip when they hit me?

If the driver's app was on but they hadn't accepted a ride yet (Period 1), Uber/Lyft provide limited contingent coverage of $50K/$100K. If the app was completely off, only the driver's personal insurance applies. We identify which period applies and pursue every available source of coverage for you.

I was a pedestrian. Does the $1M policy cover me?

Yes — if the driver was en route to a pickup or carrying a passenger when they hit you, you are entitled to pursue the full $1 million commercial liability policy. Pedestrian injuries in rideshare accidents are fully covered by Uber and Lyft's commercial policies during Periods 2 and 3.

I already spoke to Uber/Lyft's insurance. Did I hurt my case?

Not necessarily — but call us now before saying anything else. Insurance adjusters are trained to gather statements that limit your claim. If you gave a recorded statement, we'll review what you said and advise on how to proceed. Do not sign any releases or settlement offers without talking to us first.

How long do I have to file a rideshare accident claim in NY?

Generally 3 years from the date of the accident for a personal injury lawsuit. However, for no-fault PIP benefits, you must file within 30 days of the accident. Do not wait on no-fault — that deadline is absolute and strictly enforced.

What if I was partly at fault?

New York is a pure comparative negligence state — you can still recover even if you were partially at fault. Your recovery is reduced by your percentage of fault, but you are not barred from suing. The rideshare insurer will try to assign you fault to reduce your payout. We push back hard on this.

Hurt in an Uber or Lyft?
There's a Million Dollars. Call Cuz.

Free consultation 24/7. No fee unless we win. We know rideshare insurance law better than the adjusters do.

📞 +1 (212) 300-3191 Free Case Review →

📞 Call Cuz — Free (212) 300-3191

Hurt in an Uberor Lyft in NYC?There's $1 Million.