Uber and Lyft have made getting around Delaware easier, but when a rideshare trip ends in a crash, the insurance questions get complicated fast. Whether you were a passenger, another driver, a cyclist, or a pedestrian, figuring out which policy pays can be confusing. Injury Claim Team connects injured Delawareans with attorneys who untangle rideshare claims.
How Rideshare Insurance Coverage Works
Coverage in an Uber or Lyft crash depends on what the driver was doing at the moment of the collision. When the app is off, only the driver's personal insurance applies. When the app is on and the driver is waiting for a ride request, limited coverage applies. When the driver is en route to a passenger or carrying one, the rideshare company's larger commercial policy — often up to $1 million — typically applies.
Determining which 'period' the driver was in is central to the claim, and rideshare companies and insurers don't always volunteer the information. An attorney can establish the facts and direct your claim to the right policy.
Who Can Recover After a Rideshare Crash
Injured passengers almost always have a strong claim, since they're rarely at fault. But others can recover too: occupants of other vehicles, pedestrians, and cyclists hit by a rideshare driver. If your rideshare driver was hit by another negligent motorist, you may have claims against multiple parties and policies.
Sorting out these overlapping claims is where experienced representation pays off.
Common Causes of Rideshare Accidents
Rideshare drivers face unique distractions — app navigation, passenger requests, and pressure to complete trips quickly. Combined with unfamiliar routes and long hours, these factors raise crash risk. Distracted driving, fatigue, and speeding are frequent culprits.
As with any crash, the negligent party is liable, and the rideshare structure simply adds layers of insurance to navigate.
Protecting Your Rideshare Claim
Screenshot your trip details in the app, get the driver's information, take photos, gather witness contacts, and seek medical care. Then consult an attorney before dealing with the rideshare company's insurer. Prompt action preserves the evidence — including the digital trip record — your claim depends on.
Areas We Serve Across Delaware
Our network connects uber & lyft accidents victims with experienced attorneys in every Delaware community. Select your city to learn more:
Frequently Asked Questions
It depends on the driver's status in the app at the time. When carrying a passenger, the rideshare company's commercial policy — often up to $1 million — typically applies.
Almost never. Passengers are rarely responsible and usually have strong claims for their injuries.
You may have claims against that driver and, in some cases, additional rideshare coverage. An attorney can identify every source.
Yes, and you pay no fee unless your attorney wins your case.
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