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Each year, more and more people are driving for ride-sharing services like Uber and Lyft. As a result, ride-share passengers and those sharing the road with ride-share drivers face a greater likelihood of being injured in an accident. With car accidents so common in heavy traffic, California was one of the first states to address insurance coverage for ride-sharing companies and drivers, so you need to know how this would apply to your specific situation.

How insurance works in rideshare accidents

Uber and Lyft (and similar companies) must carry third-party insurance in order to operate within the state of California. This insurance covers the cost of injury, death or property damage in accidents caused by those driving for a ride-sharing service. Drivers also need to have their own insurance coverage to drive on California roadways.

In the event the driver of a ride-share vehicle hits you, the insurance companies providing these policies generally will be the ones required to compensate you for your past and future medical bills, as well as other expenses connected with the crash. Your own insurance company may play a role as well, but, know that each of the companies involved is going to try to settle the claims for as little as possible. You shouldn’t talk to any insurance company – even your own – before you know what your case is potentially worth.

Covering passenger or pedestrian injuries

Passengers injured in a ride-sharing accident, as well as pedestrians hit by a ride-share driver, make injury claims with Uber or Lyft’s third-party liability insurance. If you are a passenger and sustain injuries in a ride-share accident, call police to report the accident. Also, if you take photos of the accident scene with your phone, you help your case for an injury claim.

Additionally, be aware that often symptoms of soft-tissue injuries and some concussion symptoms may not immediately show up. Seeking treatment right away when symptoms surface can help you recover more costs for treating your injuries.