How Uber & Lyft Accident Claims Work in Arizona

Rideshare accidents are different from standard car accidents because of insurance complications. The question is: Was the Uber or Lyft driver actively working when the crash occurred?

Uber and Lyft divide insurance coverage into three phases:

The Driver Is Offline (Not Using the App)

If an Uber or Lyft driver is not logged into the app, their personal auto insurance applies—Uber and Lyft provide no coverage in this case.

The Driver Is Online, Waiting for a Ride Request

When a driver is logged in but hasn’t accepted a passenger yet, Uber and Lyft provide:

$50,000 per person for bodily injury

$100,000 per accident for bodily injury

$25,000 for property damage

The Driver Has Accepted a Ride or Has a Passenger in the Car

Once a driver accepts a ride or has a passenger, Uber and Lyft provide up to $1 million in liability coverage.

Understanding which insurance policy applies is critical for recovering compensation. Insurance companies often deny responsibility, claiming the rideshare driver was not officially “on the clock.” This is why you need a lawyer who knows how to fight these cases.

Who Can File an Uber or Lyft Accident Claim?

If you were injured in a rideshare accident, you may be entitled to compensation. Beam Law PLC represents:

Uber & Lyft Passengers – If you were riding in an Uber or Lyft and the driver caused an accident, you are covered under their $1 million policy.

Other Drivers & Pedestrians – If you were hit by an Uber or Lyft driver, you can file a claim against their personal or rideshare insurance.

Rideshare Drivers – If another driver caused the accident, you can pursue a claim through their insurance or Uber/Lyft’s coverage.

Common Causes of Uber & Lyft Accidents

Rideshare drivers face unique risks compared to regular drivers. Many accidents happen because of:

Driver Distraction – Uber and Lyft drivers constantly check their apps for ride requests and GPS directions, leading to dangerous distractions.

Fatigue & Overwork – Rideshare drivers often work long shifts and drive late at night to make more money, increasing the risk of drowsy driving crashes.

Speeding & Reckless Driving – Some drivers rush to complete more trips, leading to speeding and aggressive driving behaviors.

Improper Vehicle Maintenance – Uber and Lyft do not own the vehicles their drivers use, so many cars have worn brakes, bald tires, or safety issues.

Uninsured or Underinsured Drivers – If the Uber/Lyft driver doesn’t have enough coverage, getting fair compensation can be difficult.

What Compensation Can You Recover After a Rideshare Accident?

Uber and Lyft accidents can cause severe injuries that require long-term medical care and financial support. Compensation in these cases may include:

Medical Expenses – Hospital visits, surgeries, therapy, and long-term rehabilitation

Lost Wages – If your injuries prevent you from working

Pain & Suffering – Emotional distress, PTSD, and physical pain

Property Damage – Vehicle repairs or replacement

Wrongful Death – If a loved one was killed in a rideshare accident

Why Choose Beam Law PLC?

At Beam Law PLC, we know how to fight for rideshare accident victims. We don’t settle for lowball insurance offers—we aggressively negotiate for the maximum compensation possible.

15+ Years of Experience Handling Arizona legal cases

In-Depth Knowledge of Rideshare Insurance Laws in Arizona

No Fees Unless We Win – Free Case Review

🚨 If you’ve been in an Uber or Lyft accident, don’t wait. Call us now at +1-602-515-8707 or fill out the form below to request a consultation.