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Uber and Lyft claims

Funding on a rideshare accident claim

Which insurance applies turns on what the driver's app was doing at the moment of impact.

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Rideshare claims have a step no other auto case has: before anyone discusses value, the parties have to establish which insurance period the driver was in. That single fact can change the available coverage dramatically.

Sorting it out takes app data held by the rideshare company, and getting it takes time.

Uber and Lyft claims

The coverage periods

California sets tiered insurance requirements for transportation network companies based on the driver's app status. The California Public Utilities Commission publishes the current requirements.

Period 0 — app offThe driver is not working. Only their personal auto policy is in play, subject to ordinary minimums.
Period 1 — app on, no matchThe rideshare company must provide primary coverage of at least $50,000 per person and $100,000 per incident for death and personal injury, and $30,000 for property damage, plus excess coverage of at least $200,000 per occurrence.
Periods 2 and 3 — match accepted through drop-offThe company must provide primary commercial coverage of $1,000,000. This applies from the moment a ride is accepted until the passenger is dropped off.
Why this is fought overThe difference between Period 1 and Period 2 is the difference between a modest policy and a seven-figure one. Establishing which applied requires the company's own app records.

Where the delay comes from

Three things, usually. Obtaining the app data that fixes the period. A personal auto insurer arguing a commercial-use exclusion. And a third-party adjuster administering the claim rather than the rideshare company itself.

Passengers, other drivers, pedestrians and cyclists can all be affected, and so can rideshare drivers themselves.

None of that changes what you owe while it gets worked out.

Insurance requirements described here are summarized from published CPUC requirements and are general information, not legal advice. Your attorney can tell you how they apply to your claim.

Why this isn't a loan

A loan is money you have to pay back. This isn't that. We buy a portion of whatever your case eventually pays, and our right to be repaid exists only if there are proceeds.

It also means we can't touch your credit, your paycheck, your car or your home if the case doesn't go your way.

Questions

Common questions.

I was a passenger in the Uber. Does that matter?

A passenger in the vehicle falls within the period carrying the higher coverage requirement. Your attorney will confirm how it applies to your case.

I was hit by a rideshare driver who wasn't carrying anyone.

Then which period applied becomes the central question, and the answer depends on the app data.

I drive for Uber and was hit by someone else.

You may still have a claim. Tell us the circumstances and who was at fault.

Is approval guaranteed?

No. Every request is reviewed individually and may be declined.

Part of our California funding coverage — see pre-settlement funding in California, or read What is pre-settlement funding? and How long does funding take? in the legal funding guide.

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We'll call you at the number you gave us within one business day. If you need to reach us sooner, call (310) 303-1858.