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A rideshare crash is a normal collision with an unusual insurance problem. The drivers are ordinary people in their own cars, but the coverage that applies to the trip comes from a company worth billions, and it applies only during specific windows of time. The difference between a paid claim and a denied one is usually the status of an app at the moment of impact.
Our office on Hugh Howell Road represents injured rideshare passengers, other drivers, pedestrians, and cyclists in Tucker, Stone Mountain, Northlake, Decatur, and across DeKalb County.
Georgia requires transportation network companies to carry commercial liability coverage, but that coverage is tiered. Riders and drivers often assume the company’s policy is always primary. It is not.
Determining the period is a records problem, not a guessing game. The platform holds the timestamps, GPS breadcrumbs, and dispatch logs. We send preservation demands for that data immediately, because it is the difference between a fully covered claim and a fight with a personal auto insurer that has excluded rideshare driving in writing.
Most personal auto policies contain a rideshare or livery exclusion. That means the driver’s own carrier will deny the claim for a crash that happened while the app was on, and the rideshare company will point at the driver. Both sides have a reason to stall.
We work the coverage from every direction: the platform’s commercial policy, the at-fault driver’s personal policy, the other vehicle’s policy, and uninsured or underinsured motorist coverage on your own auto policy. Georgia personal injury protection may also pay medical bills while the liability claim is pending, regardless of who caused the crash.
Rideshare evidence rotates out of app histories, and once it is gone it is difficult to reconstruct. Preserve it now:
Report the crash through the app as well. The report creates a company record with a date on it, which is useful if the platform later claims it has no information about the trip.
Passengers are the most common claimants, and they have the cleanest cases because they did nothing to cause the collision. But drivers and pedestrians struck by a rideshare vehicle also have claims, and so do occupants of the other car. Georgia’s modified comparative fault rule under O.C.G.A. § 51-12-33 reduces recovery by your share of fault and bars it at 50% or more. The filing deadline is generally two years under O.C.G.A. § 9-3-33.
If you are looking for an Uber accident lawyer near me after a crash in Tucker, the most urgent step is preserving the trip data. Call us and we will send the preservation letter the same day.
Read more about our Georgia rideshare accident practice, our Tucker car accident lawyers, our Tucker traumatic brain injury attorneys, and our Tucker personal injury practice.
The Uber driver says it is not their fault and Uber will handle it. Is that true? Not necessarily. Uber and Lyft do not admit fault for their drivers, and their claims teams are built to minimize payouts. Coverage from the company applies only during certain app periods, and the personal policy of the driver may exclude the trip entirely. The app record, not the statement of the driver, decides the coverage question.
I was a passenger and I was hurt. Who pays my medical bills? While a ride is in progress, the commercial policy of the rideshare company is the primary source of coverage, and Georgia personal injury protection may also be available depending on your own auto policy. If the driver was at fault, the policy of the company responds. If another driver caused the crash, the insurer for that driver is primary and the rideshare coverage sits behind it.
Does it matter that I did not call the police at the scene? It makes the case harder but does not end it. The trip receipt, your ride history, and the location data from your phone still establish that you were a paying passenger. Report the crash to Uber or Lyft through the app as soon as you can, and screenshot the trip before it rotates out of your history.
Lamar Law Office, LLC — Atlanta LegalCare. 4500 Hugh Howell Road, Suite 140, Tucker, GA 30084. Call 1-877-227-3404 for a free consultation. More than legal service. We care.
Our Tucker office at 4500 Hugh Howell Road handles these claims throughout DeKalb County and metro Atlanta. Each guide covers how the claim works under Georgia law, what the local evidence looks like, and what our attorneys do first.