Crashes involving Uber, Lyft, and taxi services often look like ordinary car accidents at first. In reality, these claims can raise additional issues that affect liability, insurance coverage, and the timeline for resolving the case.

There are typically two categories of rideshare and taxi matters. The first is when an injured person brings a claim against a rideshare or taxi driver, a rideshare company, or another commercial driver. The second is when the injured person is the driver, including Uber and Lyft drivers who were working at the time of the collision. The insurance analysis in these cases can be significantly different from a standard auto claim.

At Ferrigno Law Firm, we handle these matters with a focus on early evidence preservation and early insurance review, because delays can affect both coverage and proof.

Why Rideshare and Taxi Cases Are Different

Rideshare and taxi claims often involve more than one insurance policy and more than one potential source of coverage. Depending on the facts, coverage may involve:

• The at fault driver’s liability insurance

• The rideshare or taxi driver’s personal auto policy

• Rideshare company coverage that may apply only during certain stages of the trip

• Uninsured and underinsured motorist issues when the at fault driver has limited or no coverage

• Medical payments coverage and other optional benefits that can depend on endorsements and policy language

In Uber and Lyft matters, coverage can depend heavily on the driver’s status in the app at the time of the crash. Whether the driver was offline, online waiting for a ride, en route to pick up, or carrying a passenger can change which policies apply and in what order.

Claims Involving Uber, Lyft, or Taxi Drivers

If you were injured by a rideshare or taxi driver, the case may involve a commercial claim even when the collision itself appears routine. These cases require careful attention to documentation and to the relationships among the parties, including who owned the vehicle, who employed or contracted with the driver, and what insurance was in place at the time.

Claims Involving Uber and Lyft Drivers

We frequently represent Uber and Lyft drivers who were not at fault. These cases often require reviewing multiple policies and determining how coverage applies. Many drivers are surprised to learn that personal auto policies can contain exclusions for driving for hire unless an appropriate endorsement is in place. That issue frequently becomes important when there is a dispute over medical payments coverage, uninsured motorist coverage, or underinsured motorist coverage.

Because rideshare coverage is often governed by contractual policy language and by the driver’s app status, it is critical to evaluate coverage early. The right steps at the beginning can make a major difference in what benefits are available and how quickly a claim can be resolved.

Our Approach

We focus on preparation, documentation, and early coverage analysis. That includes:

• Identifying all potentially applicable insurance policies and coverage layers

• Confirming the rideshare status at the time of the collision

• Preserving app-related information when relevant

• Coordinating medical documentation and wage loss records

• Managing communications with insurers to prevent mischaracterization of coverage or fault

• Evaluating the case with a litigation mindset when disputes arise

Experience You Can Rely On

Our firm has its roots in a longstanding local practice that has served this area for more than fifty years. We bring that experience to rideshare and taxi matters with direct attorney involvement from the start.

If you have questions about an Uber, Lyft, or taxi accident, you will speak directly with the attorney handling the matter. Every time.