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Uber and Lyft accident claims are often more complicated than other car accident cases because they can involve multiple insurance policies, questions about the driver’s status in the rideshare app, and disputes over who is responsible for paying damages. If you were injured in a rideshare accident in New Castle, Pennsylvania, you may be entitled to compensation for medical expenses, lost wages, pain and suffering, and other losses.
At Luxenberg Garbett Kelly & George P.C., Pennsylvania car accident lawyers Lawrence M. Kelly and Joseph A. George represent people injured in rideshare crashes throughout Western Pennsylvania. Our team investigates how the collision occurred, evaluates the available insurance coverage, and works to recover the compensation available under Pennsylvania law.
This page explains who can be held liable after a rideshare crash, how Uber and Lyft insurance coverage periods work, Pennsylvania’s no-fault rules and filing deadline, and the injuries and damages common to these claims.
Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 to schedule a consultation. We represent clients throughout Lawrence, Butler, Beaver, Mercer, and Allegheny counties, as well as the surrounding communities in Western Pennsylvania.
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I cannot give enough praise for attorneys Lauren Kelly Gielarowski and Matt Mangino at the LGKG law practice. Lauren and Matt were able to explain an extremely complicated medica…
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Great experience and extremely professional and knowledgeable company and staff. Mr George, Mr Mack, and Ms Kelly were very dedicated and focused on my case and made me feel that…
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The steps you take immediately after an Uber or Lyft crash protect your health and your right to compensation. Rideshare cases depend heavily on documentation, so preserving evidence at the scene matters. Whether you were the rideshare passenger or an occupant of another vehicle, the following steps apply.
Key Takeaway: Recovering compensation after an Uber or Lyft accident is typically more complicated than filing a standard claim. An experienced rideshare accident attorney can help preserve critical evidence, determine which parties may be responsible, and deal with the insurers involved.
If you were injured in an Uber or Lyft accident, speaking with an attorney early can help you protect your legal rights while your claim is still developing. Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 for a free consultation.
Highly recommended. Gianna Kelly of Luxenberg Garbett Kelly & George P.C.assisted me after I suffered an accident in a retail outlet. The professional and sensible advice was outs…
Regis Rothrauff
I am so happy with my decision to have Luxenberg Garbett Kelly & George handle my case. Both Larry and Gianna were beyond helpful and on top of my case, they answered any question…
Star Blontz
Would highly recommend. Attorney Gianna Kelly is super friendly and easy to talk to while at the same time staying professional and keeping me updated on all the processes and upd…
Michelle Delph
I am beyond happy and blessed for my attorneys Gianna & Lawrence Kelly! They handled my case with professionalism and grace!!!! I really appreciate y’all both! I highly recommend…
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Attorney Joe George and Attorney Sam Mack Honesty. Integrity. Transparency. Professional. Personable. I experienced this and so much more when working with Attorney George and Att…
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I hired Atty Larry Kelly to help me with a workers comp case and let me tell you that he MORE than helped. He knows the law and knew of a precedent set a few years back and was ab…
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Joe George was my attorney after a car accident. I cannot say enough about how much he and his staff took care of my case. He was super friendly, caring and honest. If I ever need…
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Uber and Lyft accidents can happen for many of the same reasons as other motor vehicle crashes, but rideshare cases often involve added distractions and time pressure. Common causes may include:
These factors can make rideshare crashes more complicated because the claim may involve the driver, the rideshare company’s policy, another motorist, or multiple insurers. As a result, drivers and passengers face added risks on roads throughout Pennsylvania.
Identifying what caused the crash is often the first step in determining who may be legally responsible for your injuries. Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 to discuss how the facts of your rideshare accident may affect your claim.
Liability after a rideshare accident depends on who caused the crash and what the rideshare driver was doing at the time. A claim may involve the rideshare driver, Uber or Lyft’s insurance policy, another negligent driver, or the injured person’s own uninsured or underinsured motorist coverage. In Pennsylvania, first-party medical benefits may also pay certain medical bills first, regardless of fault.
In some cases, Uber or Lyft insurance may apply even if the driver is classified as an independent contractor. The key issue is usually what the driver was doing at the time of the crash, including whether the app was off, the driver was waiting for a request, the driver had accepted a ride, or a passenger was already in the vehicle.
Determining who is legally responsible after a rideshare accident is not always straightforward, especially when multiple insurance policies may apply. Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 to discuss who may be liable for your injuries and the compensation you may be entitled to recover.
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We only work with clients and cases we truly believe in, we take your case because we genuinely believe in both you and your case’s importance.
Uber and Lyft coverage changes depending on what the driver was doing when the collision happened. These stages are known as driving periods, and each period carries different insurance limits. The table below summarizes how coverage typically works.
| Coverage Period | Driver Status | Insurance Available |
|---|---|---|
| Period 1 | App on, waiting or looking for a ride request, but has not accepted one | Lower liability coverage applies (typically $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage). |
| Period 2 | Ride accepted, driving to pick up the passenger | Primary commercial liability coverage up to $1 million. |
| Period 3 | Passenger in the vehicle during the trip | Primary commercial liability coverage up to $1 million. |
Questions about Uber and Lyft insurance coverage can delay or complicate a claim if they are not addressed early. Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 to speak with a rideshare accident lawyer about your legal options.
Pennsylvania is a choice no-fault state, which means first-party medical benefits may pay certain medical costs first, regardless of who caused the crash. The right to recover pain and suffering may also depend on the injured person’s full tort or limited tort selection. When a rideshare driver is logged off the app, the company’s coverage does not apply, and the driver’s personal auto policy controls the claim.
Pennsylvania law requires drivers to carry minimum auto insurance coverage, including the following basic limits:
A coverage gap can arise when a driver’s personal auto policy excludes rideshare activity or when the available policy limits are too low for the injuries involved. In those situations, your own uninsured or underinsured motorist coverage may become important.
Key Takeaway: When a rideshare driver is logged off the app, only the driver’s personal policy applies, and Pennsylvania’s minimum limits may fall far short of your losses. Your own coverage often fills the gap.
Pennsylvania’s insurance laws can affect both the compensation available and the order in which insurance policies apply after a rideshare accident. Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 to discuss how these rules may affect your claim.
Lawrence M. Kelly is a partner at Luxenberg Garbett Kelly & George P.C. with more than 40 years of experience representing injury victims throughout Western Pennsylvania. He handles a wide range of personal injury matters, including car accidents, truck accidents, motorcycle accidents, wrongful death claims, and other serious negligence cases.
A lifelong New Castle resident, Attorney Kelly combines decades of trial experience with longstanding ties to the New Castle community. He is admitted to practice in Pennsylvania, the U.S. District Court for the Western District of Pennsylvania, and the U.S. Court of Appeals for the Third Circuit. He is also a Board-Certified Civil Trial Specialist by the National Board of Trial Advocacy and has earned Martindale-Hubbell’s AV Preeminent Rating.
Joseph A. George is a partner at Luxenberg Garbett Kelly & George P.C. who represents clients in car accidents, medical malpractice, workers’ compensation, and other personal injury matters throughout Western Pennsylvania. He has decades of experience helping injured individuals pursue compensation for medical expenses, lost wages, and other damages resulting from another party’s negligence.
Attorney George has been recognized for his professional excellence with Martindale-Hubbell’s AV Preeminent Rating and selection to the Pennsylvania Super Lawyers list from 2018 through 2026. He is also a member of several state and national legal organizations dedicated to trial advocacy and personal injury law, including the Pennsylvania Association for Justice and the American Association for Justice.
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Rideshare crashes can produce a wide range of injuries, from temporary soft-tissue strains to permanent, disabling conditions. The severity often depends on the speed of impact, seating position, and whether occupants were restrained. Common injuries include:
The severity of an injury can influence both the medical treatment you need and the compensation you may be able to recover. Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 for a free consultation about your rideshare accident case.
Injured rideshare victims may recover several categories of compensation, depending on the severity of their injuries and the impact on their lives. These damages address both financial losses and personal hardship. Possible damages may include:
Every rideshare accident affects victims differently, and the compensation available depends on the facts of the case and the losses involved. Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 for a free consultation about your legal options.
In Pennsylvania, you typically have two years from the date of the crash to file a personal injury lawsuit under 42 Pa.C.S. § 5524. Missing this deadline usually bars you from recovering compensation through the courts, no matter how strong your case may be.
Limited exceptions may affect the timeline in narrow situations, such as certain claims involving minors or injuries that could not reasonably be discovered right away. Because these exceptions are narrow and fact-specific, it is best to speak with an attorney well before the two-year mark so evidence can be preserved.
Waiting too long to take legal action can limit your ability to recover compensation, even if your injuries are serious. Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 to discuss the deadlines that may apply to your rideshare accident claim.
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If you were hurt in an Uber or Lyft crash, you are likely facing medical bills, time away from work, and pressure from insurance adjusters seeking to resolve your claim. Rideshare claims involve overlapping policies and independent-contractor defenses that make them more complicated than a typical car accident case. Acting promptly can help preserve important evidence and protect your legal rights.
Attorneys Lawrence M. Kelly and Joseph A. George work directly with clients throughout every stage of a rideshare accident claim, from dealing with insurance companies to negotiating settlements or pursuing litigation when necessary. Our team is committed to providing clear guidance and practical advice so clients can make informed decisions about their cases.
Call Luxenberg Garbett Kelly & George P.C. at (724) 658-8535 to schedule a free consultation. Our office is located at 315 N Mercer St, New Castle, PA 16101, and we serve clients across New Castle, Lawrence County, and the surrounding Western Pennsylvania region.
Liability depends on the driver’s status at the time of the crash. If the driver was off the app, their personal auto policy usually applies; if they were en route to or transporting a passenger, the rideshare company’s coverage of up to $1 million may apply. More than one insurer can be involved in a single claim.
It can, depending on the driving period. Once a driver has accepted a ride or has a passenger in the vehicle, Uber and Lyft provide up to $1 million in coverage. When the driver only had the app on and was waiting for a request, lower contingent limits apply.
Most personal injury lawsuits in Pennsylvania must be filed within two years of the crash under 42 Pa.C.S. § 5524. Missing this deadline usually ends your ability to recover through the courts, so it is best to contact a lawyer early.
Uber and Lyft classify their drivers as independent contractors, which often limits direct claims against the companies. In many cases, recovery comes through the company’s insurance policy rather than a direct lawsuit, though the facts of each case matter.
If a third-party driver caused the collision, you may pursue that driver’s insurance. Depending on the rideshare driver’s app status, your role in the crash, and the available policies, uninsured or underinsured motorist coverage may also apply.
Luxenberg Garbett Kelly & George P.C. offers free consultations and handles rideshare injury cases on a contingency fee basis. That means you pay no attorney fee unless we recover compensation for you.
You may be able to recover medical expenses, lost wages and diminished earning capacity, pain and suffering, property damage, and loss of consortium. In cases of egregious conduct, a court may also award punitive damages.
