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Why the driver's app status matters
Start by identifying whether the driver was offline, waiting for a request, traveling to pick up a passenger or carrying a passenger. A rideshare logo on a vehicle does not establish the driver's status at a particular time. Trip records and insurer information can help resolve that question.
The California Public Utilities Commission describes the three active service periods. For current coverage amounts, the controlling reference is Public Utilities Code section 5433:
- Waiting for a match: primary liability coverage of at least $50,000 per injured person, $100,000 per incident and $30,000 for property damage, with at least $200,000 in required excess liability coverage.
- Accepted ride through completion: $1 million in primary liability coverage under the statutory period, which continues until the transaction or ride is complete, whichever is later.
- Passenger in the vehicle: current required uninsured and underinsured motorist coverage is $60,000 per person and $300,000 per incident. This requirement changed effective January 1, 2026.
Liability coverage and uninsured motorist coverage address different situations. The accident date, actual policy and circumstances need review. An available policy limit is not a promised settlement or a determination of responsibility.
Save the trip record and information outside the app
After attending to immediate safety and medical needs, preserve the ride receipt, trip identifier, driver name, vehicle information and available messages. Screenshots can help, but keep the original emails and records too. Record the crash time and location as precisely as possible.
If you were in another vehicle or walking, photograph the rideshare vehicle and collect driver and insurance information when it is safe. Save the police incident number and witness contacts. Note whether a passenger was present without assuming that this proves which app was active. If more than one service was open, that may require additional investigation.
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Keep each claim and insurer clearly identified
You may hear from the rideshare company's insurer, another driver's insurer and your own insurer. Keep a short log with each company's name, the claim number, the adjuster's contact details and what was requested. A report made through an app is not a substitute for every police, DMV or policy reporting requirement.
Read a proposed release carefully before signing. A payment presented as a quick resolution may affect more than a vehicle repair bill. We can review the documents, identify the coverage questions and discuss which communications we would handle if retained.
Build the injury claim separately from the coverage question
Identifying an insurer does not establish the value of an injury claim. Medical records, treatment costs, time away from work and the effect on daily activities need their own support. Keep bills and benefit statements even if health insurance has paid part of the treatment.
For an initial discussion with our Glendale office, bring what you have: the ride details, accident date, photographs and any letters or proposed settlement documents. Tell us about approaching deadlines and whether you have already given a recorded statement. Missing documents can be identified during the consultation.
Common questions
Does every Uber or Lyft accident have $1 million available?
No. Coverage depends on the driver's status, the type of claim, the accident date and the policy. The $1 million liability requirement should not be confused with uninsured or underinsured motorist coverage or with the amount a claimant will receive.
Can a passenger make a claim if another driver caused the collision?
Potentially. The investigation should consider that driver's coverage and any other applicable protection. Preserve the rideshare trip record even if the rideshare driver appears not to have caused the crash.
What if the driver says the app was off?
Record that statement and preserve your own trip records or observations. Coverage should be evaluated using available records and the actual policy, rather than an assumption based on a logo or a single statement.
Sources and further reading
Published by Aghabegian Law Group, P.C. This information is general education, not legal advice for your circumstances. Laws, agency procedures, and insurance terms can change. Contacting the firm does not by itself create an attorney-client relationship.
