If you were injured in an Uber, Lyft, or other rideshare crash in Minnesota, the insurance questions are more complicated than an ordinary car accident. Coverage depends on what the driver was doing at the moment of the collision. Our attorneys untangle these layered policies to recover everything you are owed.
Common Rideshare Accident Injuries
- Whiplash and neck injuries
- Concussions and traumatic brain injuries
- Back and spinal injuries
- Broken bones
Call 763-592-0200 for a free, no-obligation consultation, available 24/7. You pay nothing unless we win.
How Uber and Lyft Insurance Works in Minnesota
Rideshare crashes are more complicated than ordinary car accidents because the available insurance depends on what the driver was doing at the moment of the crash. Uber and Lyft maintain large liability policies, but those policies only apply during certain phases of a trip. Identifying the correct phase is the key to unlocking the right coverage.
- App off: Only the driver’s personal auto insurance applies.
- App on, waiting for a request: Uber/Lyft provide limited contingent liability coverage.
- En route to pick up or during a ride: Uber/Lyft’s commercial policy — up to $1,000,000 in liability coverage — typically applies.
Who We Help
- Uber and Lyft passengers injured in a crash
- Other drivers and passengers hit by a rideshare vehicle
- Pedestrians and cyclists struck by an Uber or Lyft driver
- Rideshare drivers injured by another negligent party
Minnesota No-Fault Still Applies
If you were a passenger or occupant of a car, Minnesota’s no-fault PIP benefits (at least $40,000 — $20,000 medical and $20,000 wage loss) generally apply first for your medical bills and lost income, regardless of fault. For serious injuries, we also pursue the at-fault party and the rideshare company’s coverage to recover full compensation.
What to Do After a Rideshare Crash
- Get medical attention and call 911.
- Screenshot your trip details in the app.
- Photograph the scene, vehicles, and injuries.
- Get the rideshare driver’s and any other driver’s information.
- Call Law Hogs before speaking with any insurer.
Minnesota Filing Deadline
Most Minnesota injury claims must be filed within six years, but acting quickly preserves evidence like app data and dashcam footage. Call 763-592-0200 for a free consultation.
Frequently Asked Questions
Can I sue Uber or Lyft directly?
Rideshare drivers are usually classified as independent contractors, which complicates direct claims against the company. However, their commercial insurance policies often provide coverage for your injuries. We determine the right path for your case.
What if I was a passenger and don’t know who was at fault?
As an injured passenger you are almost never at fault, and you can pursue compensation from whichever driver caused the crash. We sort out liability for you.
What does it cost?
Nothing unless we win. We work on a contingency-fee basis.
Related Practice Areas
Injured in any kind of crash in Minnesota? Request a free case review or call 763-592-0200 — available 24/7, no fee unless we win.
See everything we handle on our Minnesota personal injury page, or review our case results.
Read our Legal Insights guides on Minnesota injury claims, or contact Law Hogs for a free 24/7 consultation.
Riders Representing Riders
Law Hogs was founded by attorneys who ride. That rider’s mindset — knowing how fast life can change on Minnesota roads — is the same grit we bring to every injury case, no matter how you were hurt. When you hire Law Hogs, your claim gets fought like it’s one of our own.
Hurt in an Accident? Free Consultation.
No fees unless we win — available 24/7 across all of Minnesota.
Call 763-592-0200 Now