What Happens If a Rideshare Driver Hits a Pedestrian or Cyclist?
Rideshare services like Uber and Lyft have become part of everyday life in states like California and Washington. But as rideshare traffic increases, so do accidents involving pedestrians and cyclists – two of the most vulnerable groups on the road.
If you or a loved one has been hit by a rideshare driver while walking or biking, understanding your rights is critical. These cases can be more complex than a typical car accident claim.
Why Rideshare Accidents Are Different
Unlike traditional car accidents, rideshare drivers operate in a unique legal and insurance framework. Whether Uber or Lyft’s insurance applies depends on what the driver was doing at the exact time of a crash.
There are typically three “periods” that determine insurance coverage in rideshare pedestrian and cyclist accidents:
1. Driver Is Offline (App Off)
If the driver is not logged into the rideshare app, the accident is treated like a normal car accident. The driver’s personal auto insurance applies.
2. Driver Is Logged In (Waiting for a Ride Request)
If the driver is logged in but hasn’t accepted a ride, rideshare companies typically provide limited liability coverage, such as:
- Up to $50,000 per person for injuries,
- Up to $100,000 per accident, and
- Limited property damage coverage.
3. Driver Is En Route or Transporting a Passenger
Once a driver accepts a ride or has a passenger in the vehicle, much larger insurance coverage applies – often up to $1 million in liability coverage.
This distinction can significantly impact the value of your claim.
Common Causes of Rideshare Pedestrian and Bicycle Accidents
Rideshare drivers often operate under pressure, such as navigating unfamiliar areas, checking apps, and trying to pick up or drop off passengers quickly. This can lead to:
- Distracted driving (checking GPS or ride notifications),
- Unsafe stops in bike lanes or crosswalks,
- Failure to yield to pedestrians,
- Speeding to maximize trips, and
- Driving in congested urban areas without proper awareness.
Who Can Be Held Liable?
Determining liability in a rideshare accident isn’t always straightforward. Potentially responsible parties may include:
- The rideshare driver,
- The rideshare company (in certain circumstances),
- Other drivers involved in the crash, and
- Even municipalities (if road conditions contributed).
An experienced personal injury attorney can investigate the accident, obtain app data, and determine which insurance policies apply.
What Compensation Can You Recover?
Victims of rideshare accidents may be entitled to compensation for:
- Medical expenses (current and future),
- Lost wages and reduced earning capacity,
- Pain and suffering,
- Emotional distress, and
- Loss of enjoyment of life.
In serious cases involving cyclists or pedestrians, injuries can be catastrophic – making full compensation especially important.
Why You Should Talk to a Lawyer
Rideshare companies and their insurers have significant resources and legal teams working to limit payouts. They may dispute whether the driver was “on the clock” or attempt to minimize your injuries.
A personal injury lawyer can:
- Determine which insurance coverage applies,
- Gather critical evidence, including rideshare app data,
- Negotiate with insurers, and
- Take your case to trial if necessary.
Contact Justice Through Compensation for Help
If you or a loved one was injured in an accident, please know that the law firm of Justice Through Compensation is here to help. Our legal team is skilled, experienced, and passionate in their representation. Let us shoulder the burden of an injury claim or lawsuit while you focus on healing from your injuries. Contact us today for the quality legal help you deserve.