Uber Car Accident Lawyer NYC Navigating Rideshare Insurance for Maximum Recovery
Uber's insurance is complex — different coverage applies depending on whether the driver was waiting for a ride, en route to pickup, or carrying passengers. Our NYC Uber accident attorneys know exactly which policy pays and how to maximize your recovery.
Our NYC Uber accident attorneys have recovered over $60 million for rideshare crash victims across the five boroughs.
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Rideshare Insurance
Understanding Uber's Three-Layer Insurance System
Uber provides different insurance coverage depending on what the driver was doing when the crash occurred. Period 0 (app off): only the driver's personal policy applies. Period 1 (app on, waiting for ride): limited liability coverage. Period 2 (en route to pickup) and Period 3 (ride in progress): $1.5 million commercial coverage applies.
Our attorneys know how to determine which period applied and which insurance company is responsible. We also investigate whether the driver's personal policy, Uber's commercial policy, or your own UM/UIM coverage provides the best path to maximum recovery.
- Period 0: Driver's personal auto insurance only
- Period 1: Limited liability ($50K/$100K/$25K)
- Period 2 & 3: $1.5 million commercial coverage
- Your own UM/UIM coverage as backup
- Uninsured motorist coverage for hit-and-run
Who Can Recover
Uber Passengers, Other Drivers, Pedestrians & Cyclists
If you were an Uber passenger injured in a crash, you have the strongest claim — $1.5 million in commercial coverage applies when a ride is in progress. If you were the driver of another vehicle hit by an Uber, we determine which insurance period applied and pursue the appropriate policy.
Pedestrians and cyclists struck by Uber vehicles also have strong claims. We investigate the driver's status at the time of impact, identify all applicable coverage, and negotiate with multiple insurance companies to ensure you receive full compensation.
Get Free Case ReviewCase Results
Results That Speak for Themselves
$3.8M
Uber Passenger TBI
Rideshare crash on FDR Drive causing traumatic brain injury during active ride
$3.2M
Other Driver vs Uber
Uber driver ran red light in Brooklyn, $1.5M commercial policy paid full limits
$2.9M
Pedestrian Struck by Uber
Uber struck pedestrian in crosswalk during Period 3, full commercial coverage
$2.5M
Uber Cyclist Accident
Uber turned into bike lane on Sixth Avenue, cyclist suffered spinal injury
$2.2M
Multi-Vehicle Uber Crash
Uber rear-ended on West Side Highway, passenger injured in chain reaction
$1.9M
Uber Hit-and-Run
Uber driver fled after striking vehicle, UM coverage plus Uber policy pursued
Results may vary depending on your particular facts and legal circumstances. Past results do not guarantee future outcomes.
Client Reviews
What Our Clients Say
“My Uber crashed on the FDR. Uber denied coverage saying the driver was off-app. My lawyer proved he was on a ride and got me $3.8 million.”
Stephanie L.
Chelsea, NY · Uber Passenger
“An Uber driver ran a red and hit me. The company tried to say he was off-duty. My attorney proved he was en route and got the $1.5M policy.”
James R.
Brooklyn, NY · Other Driver
“I was crossing the street when an Uber hit me. My lawyer got the full $1.5 million commercial policy plus my UM coverage. Total recovery: $2.9 million.”
Rachel G.
Midtown, Manhattan · Pedestrian
“An Uber turned into the bike lane on Sixth Avenue. My attorney proved negligence and got me $2.5 million for my spinal injury.”
David K.
Manhattan, NY · Cyclist
“Three cars piled up on the LIE. My Uber was in the middle. My lawyer identified every liable party and I got $2.2 million from multiple insurers.”
Priya N.
Astoria, Queens · Uber Passenger
“The Uber driver hit me and tried to flee. My attorney got their insurance info and also found UM coverage. Total recovery: $1.9 million.”
Marcus T.
Harlem, NY · Hit-and-Run Victim
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