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At a glance: Uber and Lyft carry up to $1 million in liability coverage while a driver is on an active trip, which can apply whether you were a passenger, another driver, a pedestrian, or a cyclist. Georgia gives you 2 years to file. Foster James, LLC handles Georgia rideshare cases on a no-fee-unless-we-win basis. Call 855-211-8999.

Rideshare crashes create insurance questions that ordinary car accidents do not. Coverage depends on what the Uber or Lyft driver was doing at the moment of the crash, and the companies and their insurers work hard to limit what they pay. If you were injured in an Uber or Lyft accident in Atlanta or anywhere in Georgia, Foster James, LLC can identify every policy that applies and pursue the full compensation you are owed. There is no fee unless we win.

How Uber and Lyft insurance works

Coverage turns on the driver’s status in the app:

  • App off. Only the driver’s personal auto insurance applies.
  • App on, waiting for a request. Uber and Lyft provide limited liability coverage, commonly around $50,000 per person and $100,000 per accident, plus property damage.
  • On the way to a rider or during a trip. Up to $1 million in third-party liability coverage applies, along with uninsured and underinsured motorist coverage.

Who can bring a rideshare claim

Injured passengers, occupants of other vehicles, pedestrians, and cyclists struck by a rideshare driver may all have claims, as can a passenger hurt by a third driver through the rideshare company’s uninsured motorist coverage.

Georgia law you should know

  • Two-year deadline to file a personal injury lawsuit (O.C.G.A. Section 9-3-33).
  • Modified comparative fault (O.C.G.A. Section 51-12-33): you can recover if less than 50% at fault, reduced by your share.
  • 2025 tort reform (SB 68) changed how medical bills and damages are presented to juries, which makes experienced representation more important.

Compensation you may recover

Medical bills, lost wages and earning capacity, pain and suffering, and long-term care, plus wrongful death damages if a rideshare crash was fatal.

What to do after a rideshare crash

  1. Get medical care and call 911.
  2. Screenshot the Uber or Lyft trip details in the app.
  3. Photograph the scene, vehicles, and injuries.
  4. Get the driver and any witness information.
  5. Do not accept a quick settlement before talking to a lawyer.
  6. Contact Foster James, LLC.

Why Foster James, LLC

We know how rideshare insurers evaluate and defend these claims, and we pursue every layer of coverage that applies. We work on a contingency-fee basis, so you pay nothing up front and no fee unless we recover for you.

Frequently asked questions

Does Uber or Lyft insurance cover my injuries? It depends on the driver’s app status at the time of the crash. Up to $1 million in coverage can apply during an active trip. We identify every policy available to you.

I was a passenger. Do I have a claim? Yes. Passengers injured in a rideshare crash can seek compensation, whether the rideshare driver or another driver was at fault.

How long do I have to file in Georgia? Generally two years from the date of the crash, under O.C.G.A. Section 9-3-33.

What does a rideshare accident lawyer cost? Nothing up front. Foster James, LLC works on contingency, so you only pay if we win.

Contact a Georgia rideshare accident lawyer

Hurt in an Uber or Lyft crash in Atlanta or anywhere in Georgia? Call Foster James, LLC at 855-211-8999 or contact us online for a free consultation. Our office is at 1718 Peachtree St NW, Suite 332, Atlanta, GA 30309.

Learn more about our Georgia personal injury practice. If another vehicle was involved, see our car accident page.