Orange County Rideshare Accidents: What Happens If You’re Injured in an Uber or Lyft ?

Rideshare services like Uber and Lyft have transformed the way people travel across Orange County—from weekend rides to the beach, late-night pickups in Newport, to airport runs from John Wayne. But what happens when your convenient ride ends in a serious accident?

If you’re injured in an Uber or Lyft accident in Orange County, your situation can quickly become complicated. Rideshare accidents don’t follow the same process as standard car collisions. Questions about who’s liable, which insurance policy applies, and how to file a claim often leave victims confused and overwhelmed.

At Khalil Law Group, we specialize in helping injury victims navigate these unique cases. Below, we’ll explain how liability works in rideshare crashes, what insurance coverage applies, and what steps you should take after the accident.

Common Scenarios in Uber & Lyft Accidents

Rideshare accident cases vary depending on your role in the crash. You may be:

  • A passenger in an Uber or Lyft
  • A driver or passenger in another vehicle hit by a rideshare car
  • A pedestrian or cyclist struck by a rideshare driver
  • The Uber or Lyft driver injured while working

Each scenario affects the type of claim you file and who you can recover damages from.

Understanding Rideshare Insurance Coverage in California

California requires Uber and Lyft to carry commercial insurance coverage for their drivers. However, coverage varies based on the driver’s status at the time of the accident.

Here’s how it breaks down:

Period 0 – Driver Is Offline (App Off)

  • The driver is using their car for personal use and is not accepting rides.
  • Only the driver’s personal auto insurance applies.
  • Uber and Lyft are not liable.

Period 1 – Driver Is Online But Hasn’t Accepted a Ride

  • The driver is available and waiting for a ride request.
  • Uber/Lyft provides contingent liability coverage:

    • $50,000 per person for bodily injury
    • $100,000 per accident for bodily injury
    • $25,000 for property damage

This coverage only kicks in if the driver’s personal insurance denies the claim.

Period 2 – Driver Has Accepted a Ride But Passenger Not Yet Picked Up

  • Uber/Lyft provide $1 million in liability coverage, plus uninsured/underinsured motorist (UM/UIM) coverage.

Period 3 – Passenger in Vehicle

  • Full coverage continues while the passenger is in the car:

    • $1 million in third-party liability
    • UM/UIM coverage
    • Possible contingent collision and comprehensive coverage

What If You’re a Passenger in an Uber or Lyft?

If you were a paying passenger and injured during the ride, you’re covered by the $1 million commercial insurance policy provided by the rideshare company. That applies whether:

  • Your driver caused the crash
  • Another driver hit the Uber or Lyft
  • A hit-and-run driver fled the scene

You may be entitled to compensation for:

  • Medical bills
  • Lost income
  • Pain and suffering
  • Emotional distress
  • Future medical care

Tip: Rideshare companies may try to minimize payouts or delay your claim. It’s wise to have an experienced personal injury attorney handle negotiations and paperwork on your behalf.

What If an Uber or Lyft Hits Your Car?

If you were driving your own vehicle and an Uber or Lyft driver caused the crash, their insurance coverage depends on what phase they were in during the ride.

  • If the driver wasn’t active, their personal auto insurance applies.
  • If they were waiting for a ride or on a trip, Uber or Lyft’s commercial policy may cover your injuries.

In these cases, your lawyer will need to determine:

  • Whether the driver was working at the time
  • If their personal insurer will deny the claim due to commercial use
  • How much coverage is available from Uber/Lyft

What If You’re a Pedestrian or Cyclist Hit by a Rideshare Driver?

As with other scenarios, the key factor is whether the driver was “on the clock.”

If they were off-duty, you may need to pursue a claim through their personal insurance. If they were actively working, Uber or Lyft’s policy may apply, providing substantial compensation compared to most personal policies.

Do I Need to Sue Uber or Lyft Directly?

In most cases, no. Rideshare companies classify drivers as independent contractors, not employees. This shields Uber and Lyft from direct liability in most crashes.

However, you can still recover compensation through their insurance policies, and in certain circumstances—like negligent hiring or repeated violations—there may be grounds for direct claims against the company.

Steps to Take After an Uber or Lyft Accident in Orange County

  1. Call 911 – Always report the accident, even if injuries seem minor. Get a police report.
  2. Seek Medical Attention – Document your injuries early to support your claim.
  3. Take Photos – Of the scene, vehicle damage, driver info, and your injuries.
  4. Get Driver and Rideshare Info – Ask if the driver was working and get screenshots if possible.
  5. Avoid Giving Statements to Insurance Adjusters – Let your attorney handle communications to protect your case.
  6. Contact a Personal Injury Lawyer – The sooner you get legal guidance, the better your chances of full compensation.

How Khalil Law Group Can Help

Rideshare accidents are complex—but we make them easier to navigate. At Khalil Law Group, we’ve helped injury victims across Orange County hold negligent drivers and companies accountable.

We will:

  • Investigate your accident thoroughly
  • Identify all potential insurance policies
  • Handle all communication with Uber, Lyft, and insurance companies
  • Negotiate for full compensation
  • Take your case to court if necessary

You focus on healing. We’ll take care of the rest.

Rideshare Accidents: FAQ

Can I file a claim if I wasn’t wearing a seatbelt?

While it could affect your compensation, it does not bar you from filing a claim.

What if the Uber/Lyft driver was not at fault?

You can still file a claim with the at-fault driver’s insurance—and the rideshare’s UM/UIM coverage may still help cover your damages.

How long do I have to file a rideshare accident claim in California?

California’s statute of limitations is two years from the date of the accident. Don’t wait—start your claim early to protect your rights.

Injured in an Uber or Lyft Accident in Orange County? Let’s Talk.

Don’t try to take on Uber or Lyft’s insurance company alone. If you’ve been injured in a rideshare accident, let the experienced legal team at Khalil Law Group fight for the compensation you deserve.