Arizona Uber and Lyft Accident Lawyer
Which insurance pays after an Uber or Lyft crash? That depends on what the driver's app showed at that moment, and Arizona law sets the coverage for each stage.
Saks Law represents passengers, other drivers and pedestrians hurt in rideshare crashes anywhere in Arizona.
Arizona's rideshare insurance rules
Each point links to the statute or court decision it comes from.
During a ride
From the moment the driver accepts a ride until the passenger gets out, Arizona requires $250,000 of liability coverage per incident. The minimum rises to $1,000,000 while a passenger is in the car.
A.R.S. § 28-4038 (opens in a new tab)Logged in and waiting
While the app is on but no ride has been accepted, the required coverage drops to $25,000 per person and $50,000 per crash.
A.R.S. § 28-4038 (opens in a new tab)Uninsured coverage on the trip
Coverage during a ride must include uninsured motorist protection of at least $25,000 per person and $75,000 per incident. It helps when the other driver had no insurance.
A.R.S. § 28-4038 (opens in a new tab)
How an Uber or Lyft accident case works with us
- 1
Screenshots, before they're gone
Save the trip receipt and a screenshot of the ride in your app. They show which stage of coverage applied.
- 2
A call with an attorney
We go over your injuries and where the driver was in the app when the crash happened.
- 3
The right policy, then the claim
Depending on the stage, the claim goes to the rideshare company's insurer or the driver's own, and sometimes to both.
- 4
Offers you decide on
Every offer reaches you with our assessment of it. Nothing settles unless you agree.
Why clients choose Saks Law for rideshare accident cases
We don't get paid unless you get paid
Our fee is a percentage of the recovery, set in writing before work begins. If the case ends without one, the costs of pursuing it are ours.
Direct access to Sam
Every client receives Sam's personal cell number when the case begins. Questions go straight to the attorney handling the case.
Coverage disputes are Sam's field
Super Lawyers has listed Sam for insurance coverage since 2018, and a rideshare claim is a coverage question first.
Uber and Lyft accident questions clients ask
If your question isn't here, call 480-440-3331.
Can I sue Uber or Lyft directly?
In most cases the claim goes to the insurance the company must carry. Arizona law generally treats rideshare drivers as independent contractors, which limits suits against the company itself. The coverage required during a trip is usually far larger than a personal auto policy, so that is where most of these claims are paid.
I was a passenger. Who pays my medical bills?
When your driver caused the crash, the rideshare coverage required during a ride applies to your injuries. If another driver caused it, that driver's insurer pays first. The rideshare policy's uninsured motorist coverage can step in when that driver had little or no insurance.
What if the driver had the app turned off?
With the app off, the driver's personal auto policy covers the crash like any other car accident. Personal policies often exclude the time a driver is logged in for hire, which is why the records of when the app was on carry so much weight.
Should I talk to the rideshare company's insurer?
Reporting the crash through the app creates a record, and that's worth doing. Before you give a recorded statement to any insurer, call us. The questions tend to go to fault and to how badly you were hurt, and your answers stay with the claim.
I was driving for Uber or Lyft when I was hit. Who pays?
If another driver caused the crash, that driver's insurer pays first, as in any car accident. During a trip, the coverage Arizona requires includes uninsured motorist protection, which can matter when that driver had no insurance. Your personal policy may exclude the time you were logged in, so keep the trip records and screenshots.
Rideshare accident cases across Arizona
We take rideshare cases anywhere in Arizona, as far north as Flagstaff and as far south as Tucson. Sam meets clients in person or by video, whichever is easier while you recover.
Speak with an injury lawyer before you speak with the insurer.
The case review is free and confidential, and you decide afterward whether to retain us.
Call weekdays from 8:30am to 5pm, or send the form at any hour.