What Happens if You Are Injured in a Rideshare Accident?

Feb 8, 2022 | Auto Accidents

Uber, Lyft, and other local rideshare services provide a valuable, convenient service, but they aren’t without their flaws. Because average individuals operate these services and don’t have to pass an exam to get hired, accidents are common.

But even with the safest driver at the wheel, the unexpected can happen and leave you with injuries and hefty medical bills. If you’re a passenger, the driver of a rideshare service, or a third party involved in a rideshare accident in Virginia, this post will help you understand your rights to an injury claim. 

Passengers Injured in a Rideshare Accident

Before getting into the coverage that applies when a passenger is injured in a rideshare accident, you need to understand the difference between your status as a passenger in an active rideshare trip versus your status as a passenger in an inactive trip.

You should never ask an Uber or Lyft driver to take you to a location that is different from what you agreed upon in the app when you secured the ride (unless the change has been made on the app itself). Your contract with the driver is to take you to the specific location you agreed upon during the process of securing the ride. Any other trips – even if it’s just a block or a few buildings away from the address you input – could lead to a grey area where you don’t have insurance coverage as a passenger.

Uber’s insurance policy covers up to $1 million in third-party liability. You should exercise caution when on the curb waiting for your rideshare to arrive though as you don’t want to suffer a pedestrian accident or you would need to put this through your personal insurance policy or the driver’s personal auto policy.

Rideshare Drivers

Rideshare drivers have different coverage based on their status at the time of the accident.

  1. Offline: if your app is off or you are offline at the time of the accident, your personal auto policy applies.
  2. Available/waiting for a request: if you are marked as available within the rideshare app, Uber’s insurance policy covers $50,000 in bodily injury per person and $100,000 in bodily injury per accident. You also get $25,000 in property damage coverage.
  3. During trips or on your way to pick up a passenger: during trips with an active passenger or when you are headed to pick up a passenger, Uber covers $1 million in third-party liability, uninsured/underinsured motorist coverage for bodily injury, and comprehensive and collision coverage. You’ll just have to cover a $2,500 deductible and then the collision coverage is up to the actual cash value of your vehicle.


Before signing up to be a driver for a rideshare service, you should review the employer’s insurance policies. If they are inadequate, you need to talk to your insurance agent about adding commercial insurance that will cover you during your work. Your personal insurance policy will not apply when you are available within the app or driving a customer.

Third-Parties Involved in Rideshare Accidents

With 3.9 million total Uber drivers worldwide, the likelihood of getting involved in an accident with one of these drivers is rather high. The insurance that applies in a rideshare accident will depend on a couple of factors:

  1. Who is at fault for the accident? If you are the individual who causes the accident, the Uber or Lyft driver and their passengers will look to your insurance policy for property damage and bodily injury coverage.
  2. Whether the rideshare driver was available, in route to pick up a passenger, or actively driving a passenger. If the driver was actively driving for the app, their commercial insurance or insurance through their employer will apply. Otherwise, their personal insurance policy applies.


If you’ve been injured as a driver, passenger, or third party in a rideshare accident in Virginia, you should seek counsel from an attorney. Geoff McDonald & Associates offers a free consultation to get to know you and your case.

Geoff McDonald and Associates: 804-888-8888.


No Fees Unless We Win

    How Trucking Safety Regulations May Influence Your Case in Virginia

    Virginia truck drivers and commercial trucking company owners must observe certain state and federal safety rules. As an accident victim, showing that the liable party violated one of these laws can reinforce your case and help you claim compensation. Let’s examine a...

    Why Drinking, Drugs and Driving are a Dangerous Combination

    Do you want to be the cause of a senseless tragedy? Each year, countless lives are lost because people decide to drink or drug and drive. It’s an irresponsible act that recklessly endangers not only your life, but also those of innocent bystanders. Whether you’re a...

    What Are the Most Dangerous Intersections in Richmond, Virginia?

    According to Virginia’s car crash map, over 5,700 vehicle accidents occurred in Richmond, VA, in 2022. While a car accident can happen anywhere, some intersections in Richmond are notorious for their high number of crashes. So which intersections in Richmond pose the...

    What Is the Statute of Limitations After a Virginia Truck Accident?

    Did you suffer injuries in a Virginia truck accident? You may be able to sue the truck driver or the trucking company, but you must file your claim within a specified time limit called the statute of limitations. Virginia courts enforce this deadline very strictly and...

    Do Tractor Trailers Have a Black Box?

    One of the first orders or business after a truck crash is to request access to the tractor trailer’s black box. Black boxes often contain critical evidence that can help establish the facts of the accident and support your claim. However, the law requires trucking...

    Our Case Results

    Industrial Plant Accident

    Attorneys for the Plaintiff: Jeffrey A. Breit and Justin M. Sheldon Our client was killed in an industrial accident when an unauthorized worker was operating an overhead crane and pinned our client between…

    Rear-End Crash

    Our client suffered a traumatic brain injury, facial trauma, a dislocated hip and severe abdominal trauma when she was rear-ended at a traffic light by a tractor trailer. Suit was commenced shortly after…

    Assault of Log Truck Driver

    Attorneys for the Plaintiff: Geoffrey R. McDonald, Frank H. Hupfl, Justin M. Sheldon.
    Our client suffered a traumatic brain injury after being assaulted and knocked to the ground while fueling his logging…

    Drunk Driving Crash

    Our client suffered neck/head trauma and a broken wrist after his vehicle was struck by a drunk driver while he was stopped at a traffic light. Upon rejection of a settlement offer of $325,000, our litigation…

    Rear-End Collision

    Attorneys for the Plaintiff: Justin M. Sheldon and Geoff R. McDonald, Richmond
    GMA’s client was injured as a result of a rear-end collision in the greater Richmond area. The crash occurred a little after…

    Client Reviews

    Cheryl and Rich were wonderful and patient with me throughout the case. All of my questions were answered. They really helped me through this tough time and made sure to let me know what was going on. I really thank Geoff…

    Troy Saxby

    My experience with GMA staff was first rate. They always represented in a professional way and made sure I had everything as far as paperwork. Kara and Theo made sure to answer all my questions, was always available and so…

    Shirley Brown

    Geoff McDonald & Associates is the team that you want on the field if you’re in need of top notch legal defense! Mr. Taj Henley demonstrated true customer service skills and his expertise made me feel comfortable throughout the…

    Julian Reeves

    Geoff McDonald & Associates: Thank you Taj Henley for all of your hard work and dedication! Very expeditious in my case and I was very satisfied with my settlement. Will recommend to all my friends and family!

    Shareema Williams

    Geoff is number one in my book and I especially appreciate the support of Mr Henley

    Ebony Conwell

    I was so pleased with the knowledge and support from Mr. Taj Henley

    Kideem Frierson

    Thank you Geoff McDonald &Associates. A special thank you to Mr. Taj Henley

    Denise Conwell

    Mr. Taj Henley displays exceptional professionalism for Geoff McDonald & Associates, along with commendable communication skills and customer service. By his work ethic and commitment to the people he serves his value to any…

    Justin Fitzgerald