Rideshare services like Uber and Lyft have become a convenient transportation option for Indianapolis residents and visitors. However, accidents involving rideshare vehicles can be more complex than a standard car crash. Unlike traditional accidents, these cases involve multiple insurance policies, corporate liability issues, and unique legal challenges that can make it difficult for victims to recover compensation.
If you were injured in an Uber or Lyft accident—whether as a passenger, rideshare driver, or another motorist—it’s essential to understand your legal rights and options. Working with an experienced Indianapolis auto accident attorney can help you navigate these complexities and maximize your compensation.
Who Is Liable in a Rideshare Accident?
One of the biggest challenges in rideshare accident claims is determining who is responsible for your injuries and damages. Liability will depend on who caused the crash and the rideshare driver’s status at the time of the accident.
1. If the Rideshare Driver Was at Fault
If the Uber or Lyft driver caused the accident, their insurance coverage will depend on their status in the rideshare app at the time of the crash:
- App Was Off: If the driver was not logged into the rideshare app, the accident is treated like a regular car crash, and the driver’s personal auto insurance applies.
- App Was On, No Passenger Assigned: If the driver was waiting for a ride request, Uber and Lyft provide limited liability coverage (typically $50,000 per person and $100,000 per accident for injuries).
- Passenger Was in the Car or the Driver Was on the Way to Pick Up a Rider: Uber and Lyft provide $1 million in liability coverage during active trips.
2. If Another Driver Was at Fault
If another motorist caused the crash, their insurance policy should cover your injuries and damages. However, if they are uninsured or underinsured, Uber and Lyft provide uninsured/underinsured motorist (UM/UIM) coverage in some cases.
3. If a Pedestrian, Bicyclist, or Passenger Was Injured
Rideshare passengers, pedestrians, and cyclists injured in a crash caused by a rideshare driver are typically covered under Uber or Lyft’s insurance policy, depending on the driver’s status in the app.
Steps to Take After a Rideshare Crash in Indianapolis
After a rideshare accident, protecting your legal rights is crucial. Taking the right steps can strengthen your case and improve your chances of receiving fair compensation.
1. Call 911 and Report the Accident
Always report the accident to the police, even if it seems minor. A police report is valuable evidence that can support your claim and establish fault.
2. Seek Medical Attention Immediately
Even if you don’t feel injured right away, seek medical care. Some injuries, like whiplash, internal bleeding, or concussions, may not show symptoms until hours or days later. Delaying treatment can weaken your injury claim.
3. Gather Evidence at the Scene
If you’re physically able, collect as much evidence as possible, including:
- Photos and videos of the accident scene, vehicle damage, and injuries.
- Contact information of the rideshare driver, other involved drivers, and witnesses.
- Screenshots of your Uber or Lyft ride details, including the driver’s name and trip confirmation.
4. Do Not Accept a Quick Settlement
Rideshare companies and insurance providers may offer a fast settlement, but these initial offers are often much lower than what you deserve. Speak to an attorney before accepting any compensation.
5. Contact an Indianapolis Auto Accident Attorney
Rideshare accident claims involve corporate insurance policies and complex liability issues. A knowledgeable Indianapolis auto accident attorney can help you:
- Determine who is responsible for your damages.
- Negotiate with Uber, Lyft, and their insurers for a fair settlement.
- File a personal injury lawsuit if necessary.
What Compensation Can You Recover in a Rideshare Accident Claim?
If you were injured in a rideshare crash, you may be entitled to compensation for:
- Medical expenses (hospital bills, surgeries, physical therapy).
- Lost wages if you were unable to work due to your injuries.
- Property damage (if your vehicle or belongings were damaged).
- Pain and suffering (physical and emotional distress).
- Permanent disability or loss of quality of life.
An attorney can calculate your total damages and fight for maximum compensation on your behalf.
Why You Need a Lawyer for a Rideshare Accident Claim
Handling a rideshare accident claim on your own can be difficult, especially when corporate insurance companies try to minimize payouts. An experienced Indianapolis auto accident attorney can:
- Investigate the accident and gather critical evidence.
- Handle all negotiations with Uber, Lyft, and their insurers.
- Challenge unfair settlement offers and lowball compensation.
- Take your case to court if necessary.
Final Thoughts
Rideshare accidents in Indianapolis can be legally complex, but you don’t have to handle your claim alone. If you were injured as a passenger, rideshare driver, or another motorist, understanding your rights and seeking legal representation can make a significant difference in the compensation you receive.
Before speaking to an insurance company or accepting a settlement, consult with an Indianapolis auto accident attorney to ensure your rights are protected. The right legal guidance can help you recover the full compensation you deserve.
