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Rideshare · Uber · Lyft · TNC Coverage

California Rideshare Accident Lawyers.
Know which insurance period applies.

If you were hurt in an Uber or Lyft crash in California, the driver's "period" (offline, app-on with no rider, en route, or with a passenger) controls which insurance applies. Once a rider is matched or in the vehicle, California requires $1,000,000 in liability coverage under Public Utilities Code § 5433. You generally have two years to file under CCP § 335.1. No fee unless we win.

Updated June 2026 · Reviewed by Jeff Yates, Esq. · CA Bar #332659
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First 72 Hours

What to do
after an Uber or Lyft crash.

Rideshare cases turn on app-state data and trip records that can be moved or scrubbed. The first 72 hours determine whether the $1M TNC policy is available or whether the carriers fight you down to a $50k personal policy.

  1. 01

    Call 911 - get an official police report.

    Even for minor crashes. The police report locks the driver's name, plate, and the time of the crash, which fixes the rideshare period.

  2. 02

    Screenshot your Uber or Lyft trip in the app.

    Trip ID, driver name, vehicle, exact pickup and drop-off times. This is the single most important piece of evidence for proving Period 3 ($1M) coverage.

  3. 03

    Get the rideshare driver's personal info too.

    Name, license, plate, personal auto insurance. Their personal carrier may also be on the hook for Period 0 or 1.

  4. 04

    Photograph the scene and vehicles.

    Damage from multiple angles, vehicle positions, traffic controls, the rideshare sticker if visible.

  5. 05

    Get each witness's name and phone.

    Other passengers, drivers stopped at the scene, pedestrians. Names and numbers at the scene matter more than statements days later.

  6. 06

    Get medical care, even if you feel okay.

    Concussion, neck and back injuries, internal bleeding often show up 24–72 hours later. An ER record from day-of is the strongest medical evidence.

  7. 07

    Call a Devoted attorney before talking to insurance.

    Uber and Lyft use third-party adjusters trained to limit payouts. Anything you say in a recorded statement can be used against you. We send a preservation letter to Uber/Lyft the same day - trip logs, app state, and driver records.

Talk to a Devoted Attorney

Trip logs. App-state records. Driver app GPS.

Rideshare evidence lives inside Uber and Lyft systems. A preservation letter on day one keeps it from being lost.

California Law That Applies

Four rules that
control TNC cases.

TNC Coverage Periods

PUC § 5433 - $1M during rides.

primary source
Once a TNC driver accepts a ride request (Period 2) or has a passenger in the vehicle (Period 3), California requires the TNC to maintain at least $1,000,000 in third-party liability coverage plus uninsured/underinsured motorist coverage. Period 1 (app on, no ride) carries lower contingent limits. Period 0 (app off) : the driver's personal auto policy applies.
Statute of Limitations

CCP § 335.1 + Gov. Code § 911.2.

primary source
Two years from the date of the crash. If a public entity (a city bus, a county vehicle, a state-maintained roadway) is involved, the notice of claim needs to be served within six months under Gov. Code § 911.2.
Prop 22 / Driver Status

Proposition 22 + Bus. & Prof. Code § 7451.

primary source
Prop 22 (passed 2020) classifies rideshare drivers as independent contractors. That changes how the company is exposed to liability beyond the TNC insurance - Uber and Lyft typically may not be sued for vicarious liability the way a regular employer can. The mandatory TNC policy is the recovery vehicle.
Comparative Fault

CACI 405 - Pure comparative.

primary source
Recovery is reduced by your share of fault, but you can still recover even if you were mostly at fault. As a passenger, you rarely share fault. Rule from Li v. Yellow Cab Co. (1975), applied via CACI 405.
The Four Periods

Coverage depends on
what the driver was doing.

Period 0

App is OFF.

The driver's personal auto policy applies. CA minimum $30k/$60k/$15k.

Period 1

App ON, waiting for ride.

TNC contingent coverage: $50k bodily injury per person, $100k per accident, $30k property.

Period 2

Accepted ride, driving to passenger.

$1,000,000 in liability + uninsured/underinsured motorist coverage.

Period 3

Passenger in the vehicle.

$1,000,000 in liability + $1,000,000 UM/UIM. Maximum coverage tier.

Past results disclaimer. Coverage limits are minimums. Actual recovery depends on facts, damages, and applicable law.

Talk to a Devoted Attorney

Talk to a California rideshare attorney now.

Statewide Case Evaluations, 24/7. We send the preservation letter to Uber or Lyft the same day.

What Happens After You Call

Three steps.
No fee unless we win.

01

Free case review.

Call (888) 760-2529. A licensed California attorney calls back, usually within the hour.

02

Preservation letter.

Same day to Uber/Lyft. We demand trip records, app-state logs, driver employment records, and any dash-cam footage.

03

We build and resolve the case.

Investigation, expert disclosures, demand. If the TNC carrier won't pay fair value, we file and litigate.

Case Results

Real results.
For real clients.

Names withheld for privacy, facts preserved for transparency. Each case is unique - yours included.

See all case results
Rollover Accident
Oceanside, CA · 2025
Recovered
$1.3M
$300K offered4.3×

A high school student sustained serious injuries requiring arm surgery after being involved in a rollover accident as a passenger. The incident occurred while exiting Interstate 5.

Read the case study
Bicycle Accident
Twentynine Palms, CA · 2025
Recovered
$600K
$30K offered20×

During an evening bike ride in Twentynine Palms, a father was struck by a distracted driver who ran a stop sign, leaving him with multiple fractures and requiring several surgeries.

Read the case study
Dog Bite
Sacramento, CA · 2023
Recovered
$505K
$100K offered

Walking his French bulldog in the morning, our client was suddenly attacked by a Cane Corso. He sustained multiple injuries, including bite wounds to his thigh, a chipped tooth, forehead abrasions, and a back injury.

Read the case study

Past results disclaimer. Prior results do not guarantee, warrant, or predict a similar outcome in your case. Each case is different and depends on its unique facts, the applicable law, and the available insurance coverage.

No Victory · No Fee

You pay nothing unless we win your case.

We work on a contingency fee basis. You pay nothing upfront, and we only get paid if we win your case.

Rideshare FAQ

California Uber & Lyft questions, answered.

Does Uber or Lyft insurance cover my California crash?
It depends on the driver's 'period.' Period 0 (app off): the driver's personal auto policy applies. Period 1 (app on, no ride): TNC contingent coverage of $50k/$100k bodily injury + $30k property. Period 2 (en route to passenger) and Period 3 (passenger in vehicle): $1,000,000 in third-party liability coverage under Public Utilities Code § 5433. Most serious cases involve Period 2 or 3, where the full $1M is available.
How long do I have to file a rideshare claim in California?
Two years from the date of the crash under CCP § 335.1. If a public entity (bus, city vehicle) is also involved, you need to serve a notice of claim within six months under Gov. Code § 911.2.
I was a passenger in an Uber - what coverage applies?
When a passenger is in the vehicle (Period 3), Uber and Lyft are required to provide $1,000,000 in liability coverage plus $1,000,000 in uninsured/underinsured motorist coverage. As a passenger, you rarely share fault, which makes recovery cleaner - even when both drivers contributed.
Who do I sue - the driver, Uber, or both?
California rideshare cases typically name the rideshare driver, the company (Uber Technologies, Inc. or Lyft, Inc.), and any third-party driver involved. The drivers are classified as independent contractors under Prop 22, but the TNC's commercial policy still covers the loss during covered periods.
What if the rideshare driver was at fault but their app says they were 'offline'?
We pull the driver's app log through the litigation process. Uber and Lyft both maintain GPS- and app-state records that show the exact period the driver was operating. Discovery of those records often settles the period dispute decisively.
What if I was driving and a rideshare driver hit me?
Same framework. The rideshare driver's period determines coverage. If they had a passenger or were en route, the $1M TNC policy applies. We deal with Uber's and Lyft's preferred third-party adjusters daily.
What kinds of compensation can I recover after a rideshare crash?
Economic damages (medical bills past and future, lost wages, lost earning capacity, vehicle damage) and non-economic damages (pain and suffering, emotional distress, loss of enjoyment, loss of consortium). Civ. Code § 3333 governs. Past results do not guarantee a similar outcome.
How much does it cost to hire a Devoted rideshare attorney?
We work on a contingency fee basis. You pay nothing upfront, and we only get paid if we win your case.
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