What to Do After an Uber or Lyft Passenger Accident in California

As a Passenger, You’re Rarely at Fault

The key advantage of being a passenger in a rideshare accident is that you are almost never considered at fault. But identifying who is responsible requires a deeper look at the situation.

Possible Liable Parties:

• The Uber or Lyft driver, if they caused the accident
• Another driver, if a third party was at faultBoth drivers, in shared liability cases
• Uber or Lyft’s insurance, depending on the driver’s status during the ride

Understanding Uber and Lyft Insurance Coverage in California

California Rideshare Insurance Requirements

Under California law, Uber and Lyft must provide $1 million in liability coverage for passengers injured while the ride is active. This is designed to ensure you’re protected—whether the rideshare driver or another motorist is at fault.

When Does This Coverage Apply?

• If the Uber/Lyft driver is at fault.
•  If the other driver is uninsured or underinsured.
• If there’s insufficient coverage from any party involved

Uber and Lyft also carry underinsured motorist (UIM) coverage, which may help fill in the gaps if the responsible party can’t cover your full damages.

What to Do Immediately After an Uber or Lyft Accident

If you’ve been in an Uber Lyft passenger accident, taking the right steps from the beginning can protect your health and your claim.

Action Checklist:

• Call 911 and request a police report
  
• Document the scene: take photos of the accident, rideshare vehicle, and your injuries
  
• Get medical attention—even if injuries seem minor
  
• Record trip details in the Uber or Lyft app
  

Speak with an experienced rideshare attorney before talking to any insurance company.