St. Louis Uber & Lyft Accident Lawyer
Uber & Lyft Accident Lawyer
Rideshare accidents involve more insurance companies and more questions than an ordinary crash. Whether you were a passenger, another driver or a pedestrian, Craig J. Concannon finds the coverage that applies.
Identify the Right Policy
More insurers, more questions
Uber and Lyft drivers spend long hours on the road, often watching their phones for ride requests and navigation. Distraction, fatigue and unfamiliar routes can all lead to crashes that injure passengers, other drivers, cyclists and pedestrians.
Who pays depends on what the rideshare driver was doing at the moment of the crash: offline, logged in and waiting for a request, or on the way to pick up or carry a passenger. Getting the app status and trip records early is key.
Craig J. Concannon determines whether the driver's personal policy or the rideshare company's commercial coverage applies, and pursues the claim against the right insurer.
Preserving app data
App status and trip records decide which coverage applies.
The right policy
Personal auto, company contingent or $1 million coverage.
Disputes over coverage
We push back when insurers point at each other.
Every injured person
Passengers, other drivers, cyclists and pedestrians.
Accident Scenarios
Common types of rideshare accidents
Rideshare crashes can injure anyone on the road.
Passenger injuries
You are hurt while riding in an Uber or Lyft.
Hit by a rideshare driver
A rideshare driver crashes into your vehicle.
Pedestrians & cyclists
A distracted rideshare driver strikes you while walking or biking.
Pickup & drop-off crashes
Sudden stops and U-turns while looking for riders.
Serious Injuries
Common rideshare accident injuries
Rideshare crashes cause the same injuries as any serious collision.
Broken bones & spinal injuries
Fractures and spinal damage from violent impacts.
Which Policy Applies
How rideshare insurance works
Coverage depends on what the driver was doing when the crash happened:
- App off The driver's personal auto insurance usually applies.
- Logged in, waiting for a request At least $50,000 per person, $100,000 per accident and $25,000 for property damage.
- Ride accepted through end of trip The company's coverage of at least $1 million applies.
- Your own UM/UIM coverage may also help in some cases.
Missouri rideshare law
- Missouri's transportation network company law sets minimum coverage for rideshare drivers.
- Coverage levels change depending on whether the driver is offline, waiting for a request or on a trip.
- Rideshare companies and insurers often dispute which period a crash falls in, so app data must be preserved quickly.
- Most personal injury lawsuits must be filed within five years (RSMo § 516.120).
After the Crash
What to do after a rideshare crash
Get medical care
Get treated and keep every record.
Screenshot the trip
Trip details, driver name and vehicle from your app.
Document the scene
Photos and witness information.
Talk to Craig first
Before talking to the rideshare company's insurer.
Hurt in an Uber or Lyft crash? Talk to Craig today.
Free, confidential consultation. No attorney fee unless you recover.
Questions