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Rideshare apps like Uber and Lyft have made getting around Connecticut more convenient. But when an accident happens involving one of these services, things can get complicated.
An accident can leave you with injuries, confusion, and more questions than answers. Whether you were a passenger, another driver, or a pedestrian, you have rights. At Stanfield Bechtel Law, we help people across Connecticut get the answers—and compensation—they deserve after an Uber or Lyft crash.
Different Situations, Different Coverage
Accidents involving rideshare companies are not handled the same way as typical car crashes. The details matter, especially what the rideshare driver was doing at the time of the accident.
Here are a few common scenarios:
- Passenger in an Uber or Lyft: You’re likely covered by the company’s commercial insurance policy.
- Driver hit by a rideshare vehicle: Coverage depends on whether the Uber or Lyft driver had the app on.
- Uber/Lyft driver injured while working: You may be eligible for coverage, but you’ll need to show you were actively driving or waiting for a ride request.
These situations often involve multiple insurance companies. We step in to sort through those details and make sure the right party is held accountable.
Understanding Uber and Lyft Insurance Coverage
Both Uber and Lyft carry third-party liability insurance that can cover injuries and property damage. However, the amount of coverage available depends on what the driver was doing at the time of the crash.
Here’s a quick breakdown:
- App off: The driver’s personal car insurance applies. Rideshare coverage does not.
- App on, no ride accepted yet: Limited coverage applies. This usually includes up to $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.
- En route to pick up or with a passenger: Up to $1 million in liability coverage is available. These situations may also involve uninsured or underinsured motorist coverage.
If you were a passenger or another driver hit during an active ride, you may be eligible for coverage under Uber or Lyft’s commercial policies. It all depends on the timing and facts of the crash. That’s something we’ll investigate thoroughly.
Steps to Take After a Rideshare Accident
The moments after a car accident can be overwhelming. But if you’re able to do so safely, taking the following steps can protect your health and help build your claim:
- Call 911 and request medical help
- Get a police report at the scene
- Take photos of the cars, location, and visible injuries
- Collect contact information from witnesses and drivers
- If you were using the rideshare app, take screenshots of your ride details
You should also report the accident through the Uber or Lyft app. Avoid giving recorded statements to insurance companies without legal advice. Once you talk to us, we’ll handle the rest.
Can You File a Claim for Compensation?
If you were injured in an Uber or Lyft accident, you may be entitled to financial compensation. These claims often involve more than just the cost of medical treatment. Depending on the severity of the accident, we may pursue damages for:
- Current and future medical expenses
- Lost wages or earning potential
- Pain and suffering
- Emotional distress
- Long-term disability or scarring
- Vehicle repair or replacement
We’ll review every aspect of your case and determine the full value of your claim. Our goal is to help you recover as much as possible so you can focus on healing.
How We Can Help You Move Forward
Insurance companies know how to protect themselves. Uber and Lyft have large legal teams on their side. You deserve someone on your side, too.
We handle all the paperwork, insurance calls, and claim negotiations. If a fair settlement isn’t offered, we’re ready to take the case further. Our goal is to lift the legal burden off your shoulders while you focus on healing.
Contact Our Experienced Middletown, CT Rideshare Accident Attorneys
If you’ve been injured in an Uber or Lyft accident in Connecticut, we’re here to help. Contact Stanfield Bechtel Law today for a free consultation. Your recovery matters, and we’re ready to help you take the first step forward.