Uber and Lyft accident settlements
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An Uber accident settlement is paid by one of three policies, and which one depends on what the driver's app showed at the moment of the crash. In California, from pickup to drop-off, the rideshare policy carries $1,000,000, per the Public Utilities Commission.
Which insurance pays
| App status | Policy that pays | Injury limits |
|---|---|---|
| App off | Driver's personal policy | Driver's own limits |
| Online, waiting for a request | Rideshare or driver's rideshare policy | $50,000 per person, $100,000 per incident |
| On the way to pickup or on a trip | Rideshare commercial policy | $1,000,000 |
Newest change: California signed SB 371 on October 3, 2025. It cut the coverage for a crash with an uninsured driver during a trip from $1 million to $60,000 per person, per the California Senate.
Typical amounts
No public source lists rideshare settlement amounts. The national average bodily injury liability claim was $28,278 in 2024, per the Insurance Information Institute. A higher policy limit changes the ceiling: a serious injury is less likely to run past the coverage.
A passenger who breaks a wrist on a trip has a claim worth the same as in any car.
So the question is which policy pays, not how much it holds.
Steps
- Screenshot the trip in your app before anything else.
- Get the other driver's name, plate and insurance.
- Report the crash in the app.
- See a doctor the same week and keep every bill.
- Call us before you answer any insurer.
Uber accident settlement questions
Who pays if I was hurt as an Uber passenger?
During a trip, the rideshare policy with $1,000,000 in liability limits covers riders and others hurt. If another driver caused the crash, their insurance is first in line.
Does Lyft have the same insurance?
In California, the same state rules apply to Lyft and Uber, set by the Public Utilities Commission.
What if the Uber driver had the app off?
Then only the driver's personal policy applies, as with any other car.
Can I sue Uber directly?
Usually the claim runs through the rideshare company's insurer, not the company itself. A lawyer on a free call can tell you whether your facts change that.
What to do now
Call about my settlement(833) 716-6705
We answer 24/7, review your crash free, and pair you with a car accident lawyer, no fee unless you win.
Each insurer may offer a quick number before anyone checks which policy should pay. Call before you sign or answer any insurer, because the injury deadline is two or three years in most states from the crash. Our team picks up 24/7 for your free case review.