Why Choose Yosha Law for a Rideshare Accident

Yosha Law can identify the right insurance coverage, deal with multiple carriers, and prepare your claim for litigation when needed. When you need legal help after a rideshare collision, lean on the Indianapolis firm that Hoosiers have trusted since 1963.

We’re Not Afraid of Big Companies

Our firm has litigated against Fortune 500 companies and major insurers like State Farm, Geico, and Progressive. Uber and Lyft are large companies with significant resources, but that doesn’t change how we approach your claim.

We Find the Right Coverage

Rideshare coverage can depend on whether the driver was offline, waiting for a request, heading to a pickup, or carrying a passenger. Our attorneys can investigate that status and identify every policy that could apply.

An Eye to the Future

We don’t want your claim resolved before your long-term medical needs are understood. Our team considers your treatment, bills, and future care before pursuing a resolution, so you’re not left footing the bill years down the road.

Call Yosha Law at (317) 334-9200 for a free consultation about your Uber or Lyft accident.

How Much Insurance Applies After an Uber or Lyft Accident?

The amount of rideshare insurance available after an Uber or Lyft accident depends largely on what the driver was doing in the app when the crash occurred. Indiana law requires different insurance limits when a rideshare driver is waiting for a request and when the driver is engaged in a prearranged ride.

The three main coverage periods are:

1. App Is Off: When the driver is not logged into Uber or Lyft, the rideshare company generally does not provide coverage for the driver’s personal driving. The driver’s personal auto policy is normally the starting point.
2. App Is On/Waiting for a Ride: Indiana requires at least $50,000 per person and $100,000 per accident for bodily injury, plus $50,000 for property damage, while a rideshare driver is logged into the network but has not yet accepted a ride.
3. Ride Accepted/Passenger in the Vehicle: Once the driver accepts a ride, Indiana requires at least $1 million per incident in primary liability insurance for death, bodily injury, and property damage during the prearranged ride.

Figuring out which period applies can determine whether your claim involves the driver’s personal carrier, Uber or Lyft’s insurer, another driver’s insurer, or several policies at once. Let our Indianapolis rideshare accident lawyers handle the insurance maze for you.

Can Uber Drivers Claim Compensation?

An injured Uber or Lyft driver can pursue compensation when another person caused the crash. The available coverage depends on who was at fault, whether the driver was logged into the app, whether a ride had been accepted, and what other insurance applies.

If you were driving a rideshare when another motorist hit you, our Indianapolis Uber accident lawyers can investigate fault and identify the policies that could cover your injuries.

Can a Passenger Sue an Uber Driver for an Accident?

An injured Uber or Lyft passenger can pursue a claim when the rideshare driver or another motorist caused the crash. Since an accepted ride generally falls within the rideshare company’s $1 million liability period, determining who caused the collision helps identify which insurer should pay.

Our Indianapolis Lyft accident lawyers can investigate both drivers rather than assuming the Uber or Lyft driver was responsible simply because you were riding in that vehicle.

Can You Sue Another Motorist After a Rideshare Accident?

You can pursue a claim against another motorist when that driver caused your Uber or Lyft accident. An Uber passenger, Lyft passenger, or rideshare driver can suffer injuries because a completely separate driver ran a light, rear-ended the rideshare vehicle, or caused another type of collision.

As there are many factors at play in an Uber or Lyft accident, the best thing you can do to get clear answers about your situation is to contact a knowledgeable ridesharing accident attorney. Our lawyers will examine your case and advise you on the best course of action to obtain compensation.

Who Is Liable in an Indianapolis Uber Accident?

Liability for a rideshare accident usually falls on the driver or other party whose negligence caused the crash, and more than one party can share responsibility. Our Indiana Uber accident attorneys look beyond the rideshare driver when the evidence points to someone else.

Potentially liable parties can include:

• The Uber or Lyft Driver: A rideshare driver can be responsible for speeding, distracted driving, unsafe turns, or other negligent conduct.
• Another Motorist: Another driver can be liable if they caused the crash involving the rideshare vehicle.
• The Vehicle Owner: A vehicle owner can sometimes be responsible when someone else is driving their vehicle and causes a crash.
• A Vehicle Manufacturer: A manufacturer can be liable if a defective vehicle or part contributed to the crash.
• A Repair Shop or Mechanic: Faulty maintenance or negligent repairs can create liability when they lead to a collision.
• A Government Entity: A city, county, or other public entity can be responsible for dangerous road conditions or improper signage in some cases.
• A Bar or Restaurant: A business that over-served an intoxicated driver can sometimes face liability under Indiana law.
• A Construction Company: A contractor can be responsible when unsafe barricades, lane closures, or work-zone conditions contribute to the accident.
• The Parents of an Underage Driver: Parents can sometimes face liability when a minor driver causes the crash.

Every rideshare accident is different. Yosha Law can investigate who caused your crash, identify every potentially liable party, and determine which insurance policies apply to your claim.

What To Expect During a Rideshare Accident Claim in Indiana

A rideshare accident claim can move from an initial investigation and insurance claim into negotiations and, when necessary, litigation and trial. Our team will be fully dedicated to your case at every step of the process.

Here’s what you can expect to happen:

What Damages Can You Pursue After a Rideshare Accident in Indianapolis?

You can pursue compensation for medical costs, lost income, reduced earning ability, pain and suffering, and other losses caused by your rideshare accident. Yosha Law can help you pursue these damages and any others that apply to your situation.

A bad injury in a rideshare accident can dramatically impact your life. We work to ensure that your claim reflects those losses.

You may be able to recover:

• Medical Bills: Your claim can include the costs of necessary surgeries, medication, emergency room visits, doctor’s appointments, and other treatment related to your injuries.
• Ongoing Medical Care: You can seek compensation for future treatment such as physical therapy, rehabilitation, or in-home care.
• Lost Wages: Your claim can include income you lost while your injuries kept you from working.
• Reduced Earning Capacity: You can pursue compensation when your injuries limit your ability to perform the same job or earn the same income in the future.
• Pain and Suffering: Your compensation can account for the physical pain and emotional effects resulting from the accident.
• Loss of Quality of Life: You can seek payment if your injuries prevent you from enjoying activities or living as independently as you did before the crash.

What Should You Do After an Uber or Lyft Accident in Indianapolis?

After an Uber or Lyft crash, follow through with your medical care and talk with an Indianapolis rideshare accident lawyer to learn about your rights.

Act today to protect your claim:

1. Get the Crash Report: Get the police report and review it for driver, witness, and insurance information.
2. Save Trip Records: Keep screenshots, receipts, ride history, messages, and anything showing your Uber or Lyft trip.
3. Keep Medical Records: Save bills, discharge papers, treatment notes, and records of follow-up care.
4. Preserve Photos and Witnesses: Hold onto any photos, videos, names, or contact information you already collected.
5. Speak With a Rideshare Lawyer: An Indianapolis Uber accident attorney can identify the right insurers, preserve app records, and protect your claim before Indiana’s filing deadline expires.

What Happens if an Uber Driver Hits a Pedestrian?

The insurance available after an Uber driver hits a pedestrian depends in part on whether the driver was offline, waiting for a ride, or engaged in a prearranged trip. If the rideshare driver has accepted a ride or has a passenger in the car, at least $1 million in primary liability coverage applies under Indiana’s rideshare insurance requirements.

If the ridesharing driver wasn’t logged into their ridesharing app at the time of the collision, the driver’s personal insurance is generally the starting point.

Pedestrian accidents in Indianapolis can lead to severe injury or fatality. When the pedestrian collision involves a rideshare driver, app records become especially important because they can establish which insurance period was active.

FAQ About Indianapolis Uber and Lyft Accidents

Does Uber or Lyft’s $1 Million Insurance Always Apply?

Uber or Lyft’s $1 million liability coverage doesn’t apply during every moment a driver uses the vehicle. Indiana requires at least $1 million in primary liability coverage while the driver is engaged in a prearranged ride, including after accepting the ride and during the passenger’s trip.

Lower limits apply while the driver is logged in and waiting for a request, and rideshare coverage generally does not apply when the app is off.

Who Pays if My Uber Driver Caused the Accident?

If your Uber or Lyft driver caused the accident while taking you on a ride, the rideshare liability policy is generally one of the primary sources of coverage. Indiana requires at least $1 million in primary liability insurance during a prearranged ride.

Our Indianapolis rideshare accident attorneys can open the appropriate claims and determine whether other coverage also applies.

Who Pays if Another Driver Hits My Uber?

The other driver’s liability insurer can be responsible when that motorist caused the crash. Since you were riding in an Uber or Lyft, additional coverage could also become relevant depending on the circumstances and available policies.

Our team can investigate both drivers instead of allowing the insurers to simply point at each other.

What if the Uber Driver Was Waiting for a Passenger When the Crash Happened?

Indiana requires at least $50,000 per person and $100,000 per accident in bodily injury liability coverage, plus $50,000 in property damage coverage, while a rideshare driver is logged into the network but has not accepted a ride.

That’s different from the $1 million coverage required after the driver becomes engaged in a prearranged ride.

How Do You Prove Whether an Uber or Lyft Driver Was Logged In?

App records, ride records, electronic communications, and other company data can indicate whether a driver was offline, available for requests, en route to a pickup, or transporting a passenger. That evidence can determine which insurance policy was active.

Our lawyers can seek those records rather than relying solely on what the driver or insurer says happened.

How Long Do I Have To File an Uber or Lyft Accident Claim in Indiana?

Indiana generally gives injured people two years to file a personal injury lawsuit. Other deadlines can apply in particular cases, especially when a government entity is involved. Contacting an attorney early also gives your legal team more time to preserve rideshare records, video, witness testimony, and other evidence.

Talk With an Indianapolis Uber Accident Lawyer Today

An Indianapolis Uber or Lyft accident lawyer can determine which insurance period applies, identify who caused your crash, deal with the insurers, and pursue the losses connected to your injuries. Rideshare cases can involve several drivers and policies, so the first insurance company you hear from is not necessarily the only source of coverage.

Yosha Law is ready to review what happened and explain your options. Call (317) 334-9200 or contact us online for a free, no-obligation consultation.