Rideshare services like Uber and Lyft have made getting around Atlanta easier—but when a crash happens, figuring out who’s responsible can be anything but simple. If you were injured in an accident involving a rideshare vehicle, you may be entitled to compensation, but the process depends on several key factors.

The most important piece is who was at fault and whether the rideshare driver was “on the app” at the time of the crash. Here’s how it breaks down:

- If the Uber/Lyft driver was offline, their personal auto insurance applies.

- If they were online and waiting for a ride, limited rideshare coverage applies.

- If they were actively picking up or transporting a passenger, Uber/Lyft’s $1 million liability policy may apply.

Imagine this

You’re a passenger in a Lyft headed to Midtown when another driver runs a red light and crashes into your vehicle at the intersection of Peachtree Street and 14th Street. You suffer a broken wrist and need surgery. Since the Lyft driver wasn’t at fault, Lyft’s insurance will still likely cover your injuries under their uninsured motorist policy—something most passengers don’t realize they have access to.

Suing Uber or Lyft directly is difficult due to the way drivers are classified as independent contractors. However, you can often pursue compensation through their insurance policies, which are triggered depending on the phase of the ride. An experienced rideshare crash attorney can help determine who’s liable, what coverage applies, and how to maximize your recovery.

Whether you were a passenger, a pedestrian, or in another car hit by a rideshare vehicle, it’s critical to understand your rights. These cases often involve multiple insurers, quick-response legal teams, and tactics designed to limit your payout.

Don’t navigate it alone. Talk to an Atlanta Uber accident lawyer today and get the support you need to move forward with confidence.