Introduction: When a Ride Turns into a Wreck
Uber and Lyft offer fast, convenient transportation throughout Maryland—from downtown Baltimore to the suburbs of Montgomery County. But when a rideshare trip ends in a collision, passengers are often left unsure of what to do next.
Who’s responsible? Which insurance policy covers your injuries? And can you sue for compensation if you’re hurt in a rideshare accident?
At Ballenger & Roche, we help clients navigate the complex and often confusing legal aftermath of rideshare crashes. Whether you were a passenger, another driver, a pedestrian, or a cyclist, understanding your rights is the first step toward protecting your health—and your case.
Rideshare Accidents Are on the Rise
The increased presence of Uber and Lyft on Maryland roads has also increased the number of accidents involving rideshare vehicles. Common causes include:
- Distracted driving (navigating, accepting new rides)
- Speeding to meet time quotas or maximize earnings
- Fatigue during long shifts
- Inexperienced or undertrained drivers
- Poor vehicle maintenance
Whether the driver was at fault or another vehicle caused the crash, getting clear answers about liability and insurance can be difficult.
Step-by-Step: What to Do After a Lyft or Uber Accident in Maryland
If you’re involved in a rideshare crash, your actions in the minutes and hours following the accident can significantly impact your legal and financial outcome. Here’s what to do:
1. Prioritize Safety and Medical Care
Call 911 if anyone is seriously injured. Even if you feel fine, seek medical attention as some injuries (like whiplash or internal trauma) may not show symptoms immediately.
2. Report the Accident
Ensure a police report is filed, especially if there are injuries or property damage. This is crucial for insurance and legal claims.
3. Gather Evidence
Take photos of:
- The scene of the crash
- Vehicle damage
- Road conditions and traffic signs
- Your injuries
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Collect names and contact info of all involved parties and any witnesses. If possible, screenshot the ride receipt and app trip details showing your driver’s name and license plate.
4. Notify the Rideshare Company
Report the crash through the Uber or Lyft app. This initiates the claims process but does not replace the need to speak to a lawyer—rideshare insurers may offer quick settlements that undervalue your injury.
5. Speak With a Personal Injury Attorney
Before accepting any offer or providing recorded statements, consult a Maryland rideshare accident lawyer. Your case may involve multiple insurance policies and complex liability questions.
Who’s Liable in a Rideshare Accident?
Liability depends on who caused the crash and what the rideshare driver was doing at the time. In Maryland, these are the most common scenarios:
If the Rideshare Driver Was at Fault:
Uber and Lyft provide up to $1 million in liability coverage when a driver is actively transporting a passenger. This can apply to both passengers and others injured by the rideshare driver.
If Another Driver Was at Fault:
That driver’s insurance is typically responsible. However, Uber or Lyft’s uninsured/underinsured motorist coverage may apply if the at-fault driver doesn’t have adequate insurance.
If You Were a Pedestrian or Cyclist:
You may still be covered under Uber or Lyft’s policy depending on whether the driver was logged into the app and on an active ride.
Because Maryland is an at-fault insurance state and applies a strict contributory negligence standard, proving fault clearly is critical. Even 1% fault on your part could bar you from recovering damages.
Understanding Uber and Lyft Insurance Coverage
Rideshare companies provide varying levels of insurance based on the driver’s activity:
When a rideshare accident occurs, the level of insurance coverage depends on the driver’s status within the app at the time of the incident. If the app was off, only the driver’s personal auto insurance applies. If the app was on but no ride had been accepted, then contingent liability coverage applies, providing up to $50,000 per person and $100,000 per accident for bodily injury. However, once a ride has been accepted and continues through to drop-off, the full $1 million liability policy is active, along with uninsured/underinsured motorist (UM/UIM) coverage and contingent collision coverage for vehicle damage.
It’s important to work with an attorney who understands how to access these policies and advocate for the full compensation you’re owed.
What Injuries Can Be Compensated?
Common rideshare accident injuries include:
- Whiplash and neck injuries
- Back and spinal injuries
- Traumatic brain injuries
- Broken bones
- Lacerations and bruising
- PTSD or anxiety
In Maryland, you may be entitled to compensation for:
- Medical bills (current and future)
- Lost wages or earning capacity
- Pain and suffering
- Emotional distress
- Property damage
How Long Do I Have to File a Claim?
In Maryland, the statute of limitations for personal injury claims is three years from the date of the accident. However, acting quickly ensures better evidence, stronger witness accounts, and fewer complications with insurers.
Don’t delay. The sooner you speak with an attorney, the better your chances of a successful outcome.
If you were injured in a Lyft or Uber accident in Maryland, don’t face the insurance companies alone. At Ballenger & Roche, we understand the complexities of rideshare law and know how to fight for the compensation you deserve. Contact us today for your free consultation.
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