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Whether you were a passenger, another driver, a pedestrian or the rideshare driver yourself, Jacqueline Scott & Associates can help you sort out the insurance and pursue the compensation Louisiana law allows. We represent injured people from offices in Shreveport and Bossier City and throughout Louisiana.
Call (318) 746-5997.
Make ’Em Pay.
Who Can Be Hurt in a Rideshare Crash?
- passengers riding in an Uber or Lyft;
- other drivers and passengers hit by a rideshare vehicle;
- pedestrians, cyclists and motorcyclists; and
- rideshare drivers hit by someone else.
Each situation can involve different insurance policies.
How Rideshare Insurance Generally Works
Louisiana regulates transportation network companies such as Uber and Lyft and requires insurance coverage that changes depending on what the driver was doing:
- App off: the driver’s personal auto policy generally applies, as in any other crash.
- App on, waiting for a ride request: lower coverage limits generally apply, and the driver’s personal policy may exclude the claim.
- Ride accepted or passenger on board: substantially higher coverage limits generally apply.
The exact coverage depends on the facts and the policies involved. Insurers sometimes dispute which period applied, so app data and trip records can be important evidence.
Other Parties Who May Be Responsible
- another driver who caused the crash;
- the rideshare driver;
- a vehicle owner, if different from the driver; or
- a party responsible for a dangerous road or vehicle defect.
Your own uninsured/underinsured motorist coverage may also apply.
Evidence That Matters
- screenshots of the app showing the trip, driver and vehicle;
- the crash report;
- photographs of vehicles, plates and the scene;
- witness information;
- trip receipts and messages; and
- medical records.
Save your ride receipt and take screenshots as soon as you can. Trip information in the app can be harder to retrieve later.
Common Injuries
Rideshare passengers often ride in the back seat and may be injured in side-impact and rear-end crashes. Injuries can include neck and back injuries, fractures, head injuries and traumatic brain injuries.
Potential Compensation
Depending on Louisiana law and the evidence, a rideshare injury claim may include medical expenses, future care, lost wages, loss of earning capacity, pain and suffering, and mental anguish.
Louisiana Legal Considerations
- Direct action. Louisiana’s direct action law can affect how claims against insurers proceed.
- Comparative fault. Under Louisiana Civil Code article 2323 as amended effective January 1, 2026, a claimant found 51% or more at fault cannot recover. Passengers are rarely at fault, but the drivers involved may blame each other. See Louisiana’s 51% fault rule.
- Deadlines. Many Louisiana injury claims arising after July 1, 2024 must be filed within two years. See Louisiana’s two-year filing deadline.
Frequently Asked Questions
I was an Uber or Lyft passenger. Who pays?
Often the rideshare company’s required coverage applies when a passenger is on board, but another driver’s insurance may also be responsible if that driver caused the crash. Several policies can be involved.
What if I was the rideshare driver and someone hit me?
You may have a claim against the at-fault driver, and coverage questions may involve your own policy and the rideshare company’s coverage depending on your app status.
Should I report the crash in the app?
Yes, report it through the app and to police, keep screenshots, and be careful about recorded statements to any insurer before getting advice.
Talk With a Louisiana Rideshare Accident Lawyer
Call Jacqueline Scott & Associates at (318) 746-5997 for a free consultation.
Make ’Em Pay.
Every case is different. Results depend on the specific facts and circumstances of each individual matter. Prior results do not guarantee a similar outcome. This page provides general educational information and is not legal advice.
This article is general information about Louisiana law and is not legal advice. Laws and deadlines can change, and every case depends on its own facts. Past results do not guarantee or predict future outcomes. Reading this page or contacting the firm does not by itself create an attorney-client relationship.
