What to Know about Ridesharing Car Accidents and Insurance Policies
Car Accidents and Insurance Policies
Ridesharing vehicles such as Lyft and Uber are becoming more popular as our lives continue to get busier, and in many respects, these services simplify commuting and make travel much easier. However, as their popularity increases, the risk of a ridesharing vehicle accident increases as well. Given the unique factors involved in these kinds of crashes, it may be essential to have a basic understanding of how insurance policies work in the context of ridesharing car accidents.
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When a Driver is Personally Liable
As ridesharing grows more popular, it is important to know what to do in the event of an accident. Alongside typical post-accident actions like collecting contact information from witnesses, seeking appropriate medical attention, and taking photographs and videos of the crash scene and of the damage to your vehicle, there are some unique insurance-related matters you should be aware of when it comes to wrecks involving rideshare drivers.
Drivers employed by a rideshare service must rely on their own personal insurance to cover any accidents or injuries that may occur while they are offline and off the clock. Otherwise, Uber and Lyft have broad insurance policies that provide coverage to account for various situations.
When a Rideshare Company May Be Liable
Rideshare drivers may use their company’s insurance policy if an accident occurs after they had accepted a trip or while they were waiting to pick up a customer. However, while Uber may provide additional compensation, the driver’s insurance would cover a majority of the cost.
For accidents resulting in bodily injury, Uber may award each affected person between $50,000 and $100,000. They may also provide $25,000 in property damage if an accident occurs while there are no passengers in the car.
Additionally, employed drivers can rely on their company’s policy if a crash takes place while they are carrying a passenger, in which case both the driver and passenger would be covered up to one million dollars. Any affected third parties, such as a cyclist or pedestrian, would also be compensated by this policy.
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What a Lawyer Could Do to Help
Ridesharing is a huge part of today’s commuter culture, and understanding the different requirements and policies involved can be difficult without the help of a skilled attorney. Hiring an experienced car accident attorney can be incredibly helpful in filing a lawsuit against ridesharing companies, as they can help you evaluate your options and make the process easier. Contact Domnick, Cunningham & Yaffa today to get started on your case.
Related Practice Resources
NOTABLE RESULTS
Broader motor-vehicle and catastrophic injury results reported by RDCY:
$31,000,000 catastrophic injury result · $13,000,000 motor-vehicle verdict
Read more about these results
RDCY’s notable-cases page lists a $31,000,000 catastrophic injury result in Fort Lauderdale. This is a broader firm result; the source does not identify it as a settlement or verdict or specify the type of accident. Read the published result.
Troy Rafferty’s firm biography lists a $13,000,000 motor-vehicle verdict. The biography does not identify the collision circumstances. Read the published result.
Prior results do not guarantee a similar outcome. Each case is different and must be evaluated on its own facts.
WHAT OUR CLIENTS SAY
General feedback about working with Rafferty Domnick Cunningham & Yaffa, excerpted from five-star Google reviews with written comments. Reviews reflect individual experiences.
“You can sum this firm up with two simple words: The Best.”
— Jamie
Read Jamie’s review on Google
“Sean Domnick and Fred Cunningham are fantastic attorneys.”
— K E
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Professional Recognition
Selected credentials, honors and professional service of RDCY attorneys:
- Fred Cunningham — Board Certified Civil Trial Lawyer, The Florida Bar. Source
- Fred Cunningham — Top 5 Florida Super Lawyers for Personal Injury Plaintiff, 2026. Source
- Sean Domnick, Nicole Kruegel, Fred Cunningham, Troy Rafferty and Gregory Yaffa — selected to the 2025 Lawdragon 500 Leading Plaintiff Consumer Lawyers. Source
- Gregory Yaffa — inducted into the American Board of Trial Advocates, 2025. Source
- Gregory Yaffa — Florida Justice Association Jon E. Krupnick Award, 2019. Source
- Fred Cunningham — President of the Florida Justice Association, 2011–2012; Fellow of the American College of Coverage and Extracontractual Counsel. Source
- Sean Domnick — Board Certified in Civil Trial Law by The Florida Bar; also certified in Civil Trial Law by the National Board of Trial Advocacy. Source
- Sean Domnick — Florida Justice Association Al J. Cone Lifetime Achievement award, 2026. Source
Recognition applies to the named attorney and the stated year or period.
Published Articles by RDCY Attorneys
Articles on this practice and broader issues in injury litigation, access to the courts and legal representation, written by RDCY attorneys.
- Banning Litigation Funding Doesn't Solve the Problem; It Just Makes Justice More Expensive — Fred A. Cunningham, Daily Report / Law.com, July 9, 2026. Broader injury litigation and access to the courts.
- Florida May Have Just Created a Liability Vacuum for Rideshare Companies — Sean C. Domnick, Daily Business Review / Law.com, May 20, 2026. Rideshare liability.
- The Strength to Share the Case — Gregory M. Yaffa, Daily Business Review / Law.com, October 8, 2026. Broader representation and collaborative handling of complex injury litigation.
- The Alex Jones Case: A Jury Awarded $45 Million. The Law Said $1.5 Million Was Enough — Sean C. Domnick, Texas Lawyer / Law.com, August 24, 2026. Broader commentary on damages caps and civil justice; discusses a Texas case.
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YouTube: The Most Common Medical Malpractice Claims Explained | Rafferty Domnick Cunningham Yaffa
Facebook: Fred Cunningham’s article on litigation funding and injured individuals’ access to justice — related parent-practice resource
Instagram: Fred Cunningham’s article on litigation funding and injured individuals’ access to justice — related parent-practice resource
LinkedIn: RDCY’s official firm profile
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