When an Uber or Lyft is involved in a crash, the first question everyone asks is which insurance pays. The answer depends on exactly what the driver was doing at the moment of the collision, and the rideshare companies and their insurers know how to use that complexity against an injured person.
Valley Accident Law represents passengers, rideshare drivers, and people in other vehicles hurt in Uber and Lyft crashes across the Phoenix metro. Founder Charles Paglialunga has 29 years of Arizona accident experience, and every case is handled by Charles personally.
Request your free consultation or call 1-602-584-8054.
Rideshare coverage in Arizona changes with the driver’s status in the app:
That $1,000,000 layer is often the difference between a real recovery and a token offer, but only if the claim is built and presented correctly.
If you were a passenger, you are almost never at fault and usually have a clear claim. If you were the rideshare driver, your own coverage and the company’s coverage may both come into play. If you were in another vehicle, a pedestrian, or a cyclist hit by a rideshare car, you may pursue the at-fault driver and the applicable rideshare policy. We sort out every available layer of coverage.
Arizona law lets you recover medical bills, future medical care, lost wages and earning capacity, vehicle damage, and pain and suffering. We review the rideshare policy, the driver’s personal policy, and your own uninsured and underinsured motorist coverage before telling you what your case is realistically worth.
Most Arizona injury claims must be filed within two years of the crash. Earlier is always better, because app records and vehicle data can be hard to recover later.
Charles handles every rideshare case personally. Your first consultation is free, and there is no fee unless we recover for you. We have secured verdicts and settlements up to $6.1 million.
Request your free consultation or call 1-602-584-8054.
Arizona follows a comparative fault system, so the rideshare company’s insurer will look for any way to shift blame onto the driver, another motorist, or you. In a rideshare crash, that fight often starts with app data, since trip logs and GPS timestamps show the driver’s status at the moment of impact and determine which policy responds. The police report is only a starting point. We also gather event data from the vehicles involved, witness statements, and medical records that connect your injuries directly to the crash. Expect the rideshare company’s insurer to move quickly with an early offer before the full extent of your injuries is known. That offer is rarely final and rarely reflects what the claim is worth. Reviewing every layer of coverage, personal, contingent, and the company’s own policy, takes time, and rushing that review tends to work against the injured person.
We start by identifying every insurance policy that may apply to your crash and preserving the app and trip data before it becomes harder to obtain. We handle communications with the rideshare company’s insurer directly, so you are not pressured into an early statement or a quick settlement offer. As your rideshare accident lawyer in Scottsdale, Charles personally reviews your medical treatment, documents your losses, and builds the claim around the full picture of your injury, not just an initial estimate. We keep you updated in plain language at every step. If you are still deciding whether to bring in help, a free consultation costs you nothing and puts no obligation on you either way.
When a driver is carrying a passenger, a $1,000,000 rideshare liability policy generally applies, along with uninsured motorist coverage. We pursue every layer that fits.
It depends on your status in the app at the moment of the crash. Both your personal policy and the company’s coverage may apply, and we help you sort it out.
Generally two years from the date of the crash in Arizona.
Nothing upfront. We work on contingency, paid only if we recover for you.
App status at the moment of impact determines which insurance policy applies, so a dispute over whether the app was on matters a great deal. We pull trip logs and driver activity records rather than relying on the driver’s account alone. In many cases those records settle the question even when memories differ.
No, we handle communication with the rideshare company and its insurer on your behalf. You should avoid giving a recorded statement to any insurer before speaking with us first. Let us manage those conversations while you focus on recovering.
Yes, pedestrians and cyclists hit by a rideshare vehicle may pursue a claim against the driver and, depending on the driver’s status in the app, the rideshare company’s policy as well. The same evidence gathering applies here: app records, the police report, and witness accounts. We review every available policy before telling you what to expect.
No, the insurance rules are the same across Arizona, so a crash in Scottsdale, Phoenix, Tempe, or anywhere in the metro area is handled the same way. We are based in Scottsdale and represent clients from across the Phoenix area. Where the crash happened does not change which policies apply.
Yes, if another driver caused the crash, the rideshare driver may have a claim of their own against that driver’s insurance, separate from any rideshare company coverage. We represent rideshare drivers in this situation as well. Each case depends on who was at fault and what coverage applies.