For Passengers
Injured as a passenger?
You have strong coverage options.
Passengers are rarely at fault — which means your path to compensation is usually clearer than you think.
When you are a passenger in an Uber or Lyft, you are covered by up to $1 million in liability insurance from the rideshare company whenever the trip is active. If the driver is logged in but has not accepted a trip yet, a lower contingent coverage applies.
If the driver was not logged into the app, the driver's personal auto insurance is the first source of recovery. You may also be able to make a claim on your own uninsured/underinsured motorist coverage.
Common passenger injuries include whiplash, concussions, broken bones, spinal injuries, and emotional trauma. Compensation can include medical bills, lost wages, pain and suffering, and future care.
What to do next
At the scene
Call 911 if anyone is injured. Get the driver's name, insurance, rideshare trip info, and photos of the crash.
Get medical care
See a doctor even if injuries feel minor. Adrenaline masks symptoms. Medical records protect your claim.
Report the crash
Report through the Uber or Lyft app. Save the trip receipt, driver details, and any in-app messages.
Document everything
Keep receipts, photos, witness contacts, and a pain journal. Details win cases.
Talk to an attorney
Before speaking with any insurance company, get a free case evaluation from The Herman Firm.
Key fact
$1M
Rideshare company liability coverage during active trips in California.
Deadline