What Damages does Uber and Lyft Insurance Cover?

After your accident, your Alexandria Lyft rideshare accident lawyer can help you determine your damages and calculate the value of your claim. Both Uber and Lyft insurance typically covers damages such as:

Wrongful Death

If you lost a loved one after a rideshare accident, Uber or Lyft may be liable for all death-related damages. These may include funeral or burial expenses, pre-death medical costs, pain and suffering of the deceased, and loss of household income. Your attorney can help you assess how the person’s death affected your family and submit a claim for your total losses.

We will also explain who is eligible to file for wrongful death damages under Louisiana law and how the process works. Per CC Art. 2315.2, the state allows only certain family members to claim damages, such as:

  • The deceased’s surviving spouse and children (or either of these parties)
  • The deceased’s surviving parent or parents
  • The deceased’s siblings, if there is no surviving spouse, child, or parent
  • The deceased’s surviving grandparents, if there is no surviving spouse, child, parent, or sibling
  • The deceased’s representative, if there is no surviving person in any of the above categories

Lost Wages

If you suffered from extensive injuries, you may have been out of work for several weeks or months. If so, we can help you determine how much lost income you are eligible to pursue. Total lost income may include pay, benefits, bonuses, tips, or lost future earning capacity due to disability.

Non-Economic Damages

  • Non-economic damages may include:
  • Pain and suffering
  • Overall decline in your quality of life
  • Scarring
  • Disability
  • Dismemberment

We can help you estimate the value of your pain and suffering and submit it as part of your claim.

Medical Costs

Medical costs can range from emergency medical treatment to long-term care due to disability. You may pay for recurring doctor visits, hospital stays, surgical procedures, rehabilitation, pain medication, or extended care. You may be entitled to claim up to 100 percent of all treatment associated with the accident.

Identifying the Liable Party in Uber and Lyft Rideshare Accidents

In most Uber or Lyft accidents, the victim falls into one of three categories:

  • An Uber/Lyft driver
  • A passenger in the Uber/Lyft vehicle
  • A third-party driver in another vehicle

If you are injured in an Uber or Lyft rideshare accident, you need to establish who is at fault and how the negligent or careless party’s actions led to your injuries. Our law firm can investigate your accident to establish who is to blame. We may gather evidence that substantiates your claim, such as:

  • Eyewitness statements
  • Police report
  • Photos or video footage
  • Expert testimony
  • Medical records
  • Driver records
  • Clues at the scene of the accident
  • Vehicle damage
  • Property damage

We can use this evidence to prove the following elements of negligence, as noted by the Legal Information Institute (LII) :

  • The defendant owed you a duty of care to keep you safe on the road.
  • The defendant breached their duty of care by doing something reckless or careless.
  • This breach of duty caused an accident.
  • You suffered injuries, financial losses, and mental anguish because of the accident.

It is important to collect evidence in a rideshare accident as soon as possible. This is one reason you may want to secure legal representation as soon as you can.

Certain evidence is time-sensitive, such as the statements from people who saw the accident happen. Over time, their memory of the accident’s details may fade, or it may be hard to locate witnesses at all.

Uber and Lyft Liability Coverage Policies

Keep in mind that for Uber or Lyft to be responsible for the accident, the driver’s rideshare app must be turned on and connected (online). Uber’s insurance coverage for passengers and third-party drivers is as follows:

Third-party liability (available or waiting for a ride request):

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

Third-party liability (en route to pick up riders and during trips):

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury
  • Contingent comprehensive and collision
Logo media

Lyft’s Insurance Coverage Policy

Lyft’s insurance coverage for passengers and third-party drivers is as follows:

Third-party liability (available or waiting for a ride request):

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

Third-party liability (en route to pick up riders and during trips):

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury
  • Contingent comprehensive and collision

Why Hire an Uber or Lyft Rideshare Accident Lawyer to Help You with Your Case?

Uber or Lyft may reject your claim or deny liability for your injuries and other damages. This is why rideshare cases can be complex matters. Rideshare accidents often involve determining which insurance coverage applies when covering a person’s losses.

Many insurance companies will guard against accepting liability for a rideshare accident, possibly delaying a settlement for the person seeking financial recovery.

Part of the issue is knowing when a rideshare company’s insurance coverage takes effect. For example, Lyft and Uber drivers must have personal insurance that meets their state’s minimum requirements. However, if their drivers are involved in an accident, the companies’ insurance coverage may apply – but only in certain instances. No matter the circumstances, you have the right to explore your options and fight for a fair settlement. Our law firm has worked with other clients in similar cases. We can also help you with your personal injury claim.

Talk to a Louisiana Local Attorney Today

Get a Free Case Evaluation

car post crash

What Can You Expect From Our Law Firm?

If you choose to hire a rideshare accident attorney from our firm, we will:

  • Investigate your claim to uncover the facts of the accident
  • Identify the party responsible for your injuries and other damages
  • Obtain evidence that substantiates your claim
  • Calculate the actual value of your claim
  • Communicate with all relevant parties on your behalf
  • Negotiate a settlement with the insurance company

If Uber/Lyft (or their insurance company) offers a low settlement or denies your claim, you may have the option of filing a lawsuit and taking your case to court. If so, an Alexandria rideshare lawyer with our law firm can represent you and present your claim before a judge or jury.

Other Rideshare Accident Victims Who Could Recover Damages

Not everyone involved in a rideshare accident is a passenger or driver, and not every driver who is in an accident is responsible for it. Our Alexandria car accident lawyers also represent pedestrians, motorcyclists, and bicyclists who may be involved in rideshare accidents. A distracted Uber or Lyft driver, or one who’s in a hurry to pick up or drop off a passenger, can injure others. They could hit a motorcyclist on the road, a bicyclist in a bike lane, or pedestrians crossing a street. All of these parties don’t have an enclosed vehicle’s protection to prevent them from suffering serious injuries if a large vehicle hits them. When this happens, the negligent party should be held accountable.

If you have been hurt in a rideshare accident while walking or riding your bike or motorbike, we can help you review your legal options for holding the liable party responsible. If you are a rideshare driver whose accident was caused by an outside party, such as a pedestrian, bicyclist, or motorcycle rider, we can also review your legal options with you during a free consultation.

The Statute of Limitations on Ridesharing Accidents in Louisiana

If you were injured in a ridesharing accident with an Uber or Lyft driver, Louisiana generally gives you just two years to seek compensation from the liable party, according to CC 3493.1. Once you hire a rideshare accident lawyer from Laborde Earles Injury Lawyers, our team will get to work right away, ensuring you do not miss this deadline. If you lost a loved one in an Alexandria car accident or rideshare accident, we are truly sorry for your loss and want to help you in any way we can.

If you are interested in taking legal action in your loved one’s death, you have two years to pursue a wrongful death lawsuit, per CC Art. 2315.2. We will go over your loved one’s accident with you and determine if you can pursue damages. If you wait too long after the accident and do not have enough time to file, a judge could block you from seeking compensation. There can be exceptions to this statute of limitations, and a team member from Laborde Earles Injury Lawyers can tell you how much time you have left to file a case during your free, no-obligation consultation.

branded accent

Client Testimonials Hear from locals like you.

Jourdan is an outstanding paralegal! She is knowledgeable, organized, and truly cares about the clients she works with. Every interaction I’ve h...

Jourdan is an outstanding paralegal! She is knowledgeable, organized, and truly cares about the clients she works with. Every interaction I’ve had with her has been positive — she takes the time to explain things clearly and makes the process much less stressful. Laborde Earles Law Firm is lucky to have someone like Jourdan on their team. I would highly recommend both Jourdan and the firm to anyone looking for trustworthy and reliable legal support.

M
Matt Picard

New Orleans

Trudy Dupuy is a wonderful asset to the team. She does an amazing job.

A
Annabelle D.

I highly recommend hiring Laborde Earles for your personal injury needs. They have the most professional, friendly and communicative staff who are gua...

I highly recommend hiring Laborde Earles for your personal injury needs. They have the most professional, friendly and communicative staff who are guaranteed to work hard on your case and get the outcome you deserve. Brittani C. is one of the most organized, thorough and helpful paralegals I’ve ever had the pleasure of working with. She keeps you informed and answers all your questions throughout the litigation process.

P
Patrick Conner

Baton Rouge

I had an amazing experience working with my paralegal, Wesley Guillory, at Laborde Earles Law Firm. Wesley went above and beyond for me throughout the...

I had an amazing experience working with my paralegal, Wesley Guillory, at Laborde Earles Law Firm. Wesley went above and beyond for me throughout the entire process. He was always patient, knowledgeable, and quick to respond to any questions I had. What stood out most was how genuinely he cared. He made sure I understood every step and always made me feel supported and informed.

Wesley’s professionalism and compassion truly set him apart. He made a stressful situation so much easier, and I’m incredibly grateful for all of his hard work. I highly recommend Wesley and the entire Laborde Earles team. They really do put their clients first.

J
Jaine Fisher

Lafayette

Eryn Laughlin is a good employee, we love her!

a
anonymous

Car Accident

Toni is the absolute BEST!!!! Not only is she the best paralegal but she’s also the best person I know. She is so intelligent, knowledgeable, ca...

Toni is the absolute BEST!!!! Not only is she the best paralegal but she’s also the best person I know. She is so intelligent, knowledgeable, caring, and goes above and beyond for everyone in her life. She is a true gem! To know her is to love her!! Anybody would be lucky to have someone like Toni in their corner.

S
Sarah Jorden

Marksville

Courtney Marsh is professional and passionate about her clients! Her communication skills are top notch and she has been amazing to work with! She is ...

Courtney Marsh is professional and passionate about her clients! Her communication skills are top notch and she has been amazing to work with! She is truly a blessing!

T
Tori E.

Syntera was Very professional and courteous. Answered my concerns.

L
Lisa G.

I was very pleased with the attention and detail that was given by Karely with Laborde Earle’s Injury lawyers. She answered all of my questions ...

I was very pleased with the attention and detail that was given by Karely with Laborde Earle’s Injury lawyers. She answered all of my questions and concerns, and her professionalism was top notch. Her phone etiquette, and calm and caring attitude was outstanding.

G
Gail

Baton Rouge

Michelle Brouillette is a wonderful addition to the Laborde Earles team.

M
Melanie B.

I highly recommend Alexis Davis and this lawfirm. She is the true definition of professionalism, respect, understanding, patient, and many other thing...

I highly recommend Alexis Davis and this lawfirm. She is the true definition of professionalism, respect, understanding, patient, and many other things. Her detailed skills are very delightful. She goes out of her way to check on us, make sure we don't have any questions, and she is always on point. She moves very quick and always goes above and beyond for us to make sure we understand the process. I am so glad I ran into Laborde Earles and Alexis. Everyone will know about this company for sure and Alexis

R
R.S.

Lafayette

Mr. DC and Amber have always been available to answer my questions and concerns. I have never doubted that they were working on our side and have had ...

Mr. DC and Amber have always been available to answer my questions and concerns. I have never doubted that they were working on our side and have had our best interest and our well being as a priority. I would recommend them to friends and family. My case had some extenuating circumstances and they both worked diligently to help us. I am very thankful for their service and dedication to us.

M
Michel Lanclos

New Orleans

Renee McCaslin goes above and beyond to help the clients. Her attention to detail is unmatched! Her kind heart and sweet spirit both go a long way in ...

Renee McCaslin goes above and beyond to help the clients. Her attention to detail is unmatched! Her kind heart and sweet spirit both go a long way in making you feel heard and cared for. And, she’s, like, really pretty!

S
Sylvia Roy

New Iberia

Courtney Marsh has a positive attitude and great attention to detail in her work!

R
Rhonda C.

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs...

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs. Courtney. I spoke with her multiple times, and each time she was patient and answered every question I had. She made me feel like I was the only client. Grateful for her and Laborde Earls!

T
Tracie Martin

Alexandria

Michelle Brouillette is always so pleasant whenever I call or stop by the office. She always has a smile on her face.

C
Christine G.

I am able to witness Karely Cornwell handle calls from people who are in need of Laborde Earles services. She is always polite and professional. I thi...

I am able to witness Karely Cornwell handle calls from people who are in need of Laborde Earles services. She is always polite and professional. I think it’s safe to assume that the majority of people who call in are stressed and to have someone who is calm and kind taking the call is a great representation of the company.

D
Debbie Fontenot

Marksville

Bridgette is absolutely phenomenal! She's one of the most professional, knowledgeable, and dedicated paralegals I've ever had the pleasure of working ...

Bridgette is absolutely phenomenal! She's one of the most professional, knowledgeable, and dedicated paralegals I've ever had the pleasure of working with. Her attention to detail is unmatched.
She catches things most people would overlook, and she always makes sure every document is perfect before it leaves her hands.
Beyond her incredible skill set, Bridgette is also kind, reliable, and a true team player. She communicates clearly, stays organized under pressure, and goes above and beyond to make sure clients and attorneys alike feel supported.
You can tell she genuinely cares about her work and the people she helps.
If you're lucky enough to have Bridgette as your paralegal, you're in the best possible hands. Five stars isn't enough for someone this exceptional!

B
Brittany Johnson

Alexandria

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking...

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking with Mrs. Marsh today. She was extremely knowledgeable in addition to being patient and empathetic. She was able to provide me with the necessary resources and provided me with encouragement throughout the process. I definitely recommend Laborde Earls! Ask for Courtney!

M
Megan C.

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs...

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs. Courtney. I spoke with her multiple times, and each time she was patient and answered every question I had. She made me feel like I was the only client. Grateful for her and Laborde Earls!

T
Tracie M.

Elizabeth Lachney I absolutely hands down the best. She is very professional, knowledgeable and most importantly she is very respectful. She is one re...

Elizabeth Lachney I absolutely hands down the best. She is very professional, knowledgeable and most importantly she is very respectful. She is one reason why we use Laborde Earles Law Firm. They make you feel like family!

T
Tiffany Bardwell

New Iberia

Jordan is a wonderful paralegal very sweet and helpful good job very professional hold on to her she is a asset to your firm hard worker. Thank you fo...

Jordan is a wonderful paralegal very sweet and helpful good job very professional hold on to her she is a asset to your firm hard worker. Thank you for all your hard work to all the people working on our case.

S
Sandi W.

I had the pleasure of working with Erica Ducote, and I cannot say enough about the excellent job she did on my case. From the very beginning, Erica wa...

I had the pleasure of working with Erica Ducote, and I cannot say enough about the excellent job she did on my case. From the very beginning, Erica was professional, knowledgeable, and attentive to every detail. She took the time to explain each step of the process, answered all of my questions thoroughly, and made sure I always felt supported and informed.
Her dedication and attention to detail were clear throughout, and it was evident she genuinely cared about achieving the best possible outcome. Thanks to Erica’s hard work and expertise, my case went smoothly and successfully.
I highly recommend Erica Ducote to anyone in need of a skilled, reliable, and compassionate paralegal. She truly goes above and beyond!

m
maddie jo

Marksville

Toni at LE is seriously so dedicated and a hard worker! LE is lucky to have this chick. She's so sweet but a little spicy (in a good, funny way!) whic...

Toni at LE is seriously so dedicated and a hard worker! LE is lucky to have this chick. She's so sweet but a little spicy (in a good, funny way!) which is always a breath of fresh air to be around someone who is genuine. She's a doll and anyone who comes into contact with her is a lucky one!

H
Hannah Johnson

Baton Rouge

Toni is an absolute professional. She consistently goes above and beyond for her clients, ensuring every detail is handled with care and precision. He...

Toni is an absolute professional. She consistently goes above and beyond for her clients, ensuring every detail is handled with care and precision. Her communication is clear, and she truly cares about delivering results. I couldn’t recommend her more highly!

M
Mimi

Lake Charles

Stephanie Brooks was wonderful to work with! She was very professional during our interaction and extremely pleasant throughout the entire process. He...

Stephanie Brooks was wonderful to work with! She was very professional during our interaction and extremely pleasant throughout the entire process. Her kindness and clear communication made everything smooth and easy. Highly recommend working with her and the Laborde Earles Law Firm!

J
Jenifer Leger Dendy

Lafayette

They have good to keep me updated on the case but so far the settlement has not been reached.

L
Lisa S.

I am very impressed with Jillie Boone’s professionalism and dedication. She demonstrates excellent communication skills, strong attention to det...

I am very impressed with Jillie Boone’s professionalism and dedication. She demonstrates excellent communication skills, strong attention to detail, and a high level of reliability. Jillie consistently goes above and beyond to ensure that everything is handled efficiently and with care. Her knowledge and work ethic make her an outstanding professional, and I would highly recommend her!

j
jazlynn meece

Baton Rouge

Working with Laborde Earles Injury Lawyers was an incredible experience from beginning to end. Jeanne and Kaitlyn were absolutely amazing - profession...

Working with Laborde Earles Injury Lawyers was an incredible experience from beginning to end. Jeanne and Kaitlyn were absolutely amazing - professional and always on top of everything. They kept me informed throughout the entire process and made sure I understood every step along the way. My case was resolved better than expected. I can’t thank them enough.

M
Melody Johnson

New Orleans

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking...

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking with Mrs. Marsh today. She was extremely knowledgeable in addition to being patient and empathetic. She was able to provide me with the necessary resources and provided me with encouragement throughout the process. I definitely recommend Laborde Earls! Ask for Courtney!

M
Megan Couvillon

Alexandria

I highly recommend Derek Hebert to anyone in need of a skilled and trustworthy attorney. From the very beginning, Derek was professional, honest, and ...

I highly recommend Derek Hebert to anyone in need of a skilled and trustworthy attorney. From the very beginning, Derek was professional, honest, and incredibly responsive. He took the time to explain every step of the process in clear terms and always made sure I felt informed and supported.

His attention to detail, strong communication, and genuine dedication made a stressful situation much easier to navigate. Derek went above and beyond to achieve the best possible outcome, and I’m truly grateful for his hard work.

If you’re looking for an attorney who is knowledgeable, reliable, and truly cares about his clients, Derek Hebert is an outstanding choice.

B
Brylan Cormier

Lafayette

Love Laborde Earle's. They're dependable lawyers that let you know you can trust them. I would specifically recommend Derek Hebert. He's a great attor...

Love Laborde Earle's. They're dependable lawyers that let you know you can trust them. I would specifically recommend Derek Hebert. He's a great attorney who is extremely knowledgeable and you'll never doubt that he'll get the job done!

K
Kaitlin H.

Over the past 3 years I have encountered one of the best Law Firms in Laborde Earles Injury Lawyers which have been handling my Lejeune Contaminated T...

Over the past 3 years I have encountered one of the best Law Firms in Laborde Earles Injury Lawyers which have been handling my Lejeune Contaminated Toxic Water Claim. Mr. John Chaillot has been instrumental in advising me on documentation, timelines, and all matters pertaining to my case. A true professional and appreciated. Thank you.

S
Stephan C.

At the very first meeting with Alexis and Danielle they took the time to explain everything to us so that we understood what we were going to go throu...

At the very first meeting with Alexis and Danielle they took the time to explain everything to us so that we understood what we were going to go through. They checked in on us to see how things were going with DR appointment and therapy. They checked in on the phone or by text and if I had a question and I was in Lafayette and I would stop by the office one of them would come to answer my questions. I truly appreciate the response and respect that they showed to me and my husband and I would really recommend them to family and friends.

H
Hazel G.

Renee McCaslin is incredibly knowledgeable, professional, and always goes above and beyond to make the legal process smooth and stress-free. I truly a...

Renee McCaslin is incredibly knowledgeable, professional, and always goes above and beyond to make the legal process smooth and stress-free. I truly appreciate her attention to detail and genuine care for her clients!

C
Courtnie Heltz

New Orleans

I’m so grateful for the help I received from Renee McCaslin. From start to finish, they were kind, professional, and truly cared about my situat...

I’m so grateful for the help I received from Renee McCaslin. From start to finish, they were kind, professional, and truly cared about my situation. They made everything easy to understand and handled every detail with care. I felt supported the whole way through. I highly recommend Renee McCaslin to anyone looking for a paralegal who goes above and beyond.

R
Rosann Roberts

Lake Charles

Working with Toni Stelly has been a great experience. She is compassionate and listens to me when I have a concern or need some information. Toni is q...

Working with Toni Stelly has been a great experience. She is compassionate and listens to me when I have a concern or need some information. Toni is quick to respond to my questions and gets things done!! Good experience working with this firm.

k
kelly

Lake Charles

Elizabeth Lachney was super helpful in explaining a lot of things i didnt understand about my case. Very respectful and seemed so welling to help me! ...

Elizabeth Lachney was super helpful in explaining a lot of things i didnt understand about my case. Very respectful and seemed so welling to help me! She is the best, I 1000% recommend her if you have any questions!

s
skylar bachman

New Iberia

I just want to say that Kelby is a wonderful Attorney and will do what ever it takes to make sure you are taking care of. And his Team of Paralegal's,...

I just want to say that Kelby is a wonderful Attorney and will do what ever it takes to make sure you are taking care of. And his Team of Paralegal's, Amber, Toni, Debbie, Alana & Erica are absolutely amazing. You couldn't have ask for better. And to Rachael, she was so sweet the other day when I needed some information about when my advance was going to be ready. Thank you Laborde Earle's Law Firm for always being the Best.

L
Lauren O'Quinn

New Orleans

Over 1,700 5-Star Reviews

Read More Testimonials

Put an Alexandria Maritime Injury Lawyer to Work for You

Were you or someone you love injured in a maritime accident? A maritime injury lawyer from our team can work to assess the monetary value of your lawsuit, prove the negligence that led to your injuries, and negotiate for a favorable settlement on your behalf.

Learn more about how a lawyer from our firm could help you identify and seek recovery from the at-fault party. Contact the maritime accident team at Laborde Earles Injury Lawyers today.

Get Legal Help Today Talk to a Louisiana Local Attorney Today

25+ Attorneys Collaboration on every case

Call Anytime Speak to our local team 24/7

(318) 777-7777
This field is required.
This field is required.
This field is required.
This field is required.
This field is required.
Send Message
Accessibility: If you are vision-impaired or have some other impairment covered by the Americans with Disabilities Act or a similar law, and you wish to discuss potential accommodations related to using this website, please contact our Accessibility Manager at (318) 777-7777.