Uber and Lyft Accidents in San Diego: Understanding Your Rights as a Passenger

By Eugene Bruno on October 3, 2025

Rideshare services like Uber and Lyft have transformed how San Diegans get around. With the tap of a screen, passengers can quickly and affordably reach their destinations.

But things can get confusing when a crash occurs, especially for passengers. Who is responsible? What insurance applies? And what are your legal options if you are injured?

At Eugene Bruno & Associates, we know how to navigate the legal maze of rideshare accident claims.

With more than 85 years of combined experience and a 99.7% success rate, our team is committed to protecting Uber and Lyft passenger rights in San Diego and securing the compensation you deserve.

The Unique Nature of Rideshare Accidents

Unlike traditional car accidents, rideshare incidents involve a third-party platform like Uber or Lyft along with the driver and any other motorists involved. This adds a layer of complexity to determining liability and pursuing passenger injury rights.

You’re not just dealing with a negligent driver; you’re up against a large corporation with a team of lawyers and a multi-tiered insurance policy. So understanding how these policies work is critical to ensure that the claim is properly handled.

Legal Protections for Uber and Lyft Passengers

Fortunately, California has implemented robust laws to protect passengers who are injured while using a rideshare service.

Key aspects of San Diego rideshare laws include:

• Mandatory Insurance Coverage: Uber and Lyft must provide up to $1 million in liability coverage when a ride is in progress.
• Uninsured/Underinsured Motorist Coverage: If the at-fault driver lacks adequate insurance, Uber and Lyft’s policies are designed to fill the gap.
• Contingent Coverage During App Use: Drivers are also covered while logged into the app and waiting for a ride request, though limits may be lower.

These protections mean that passengers generally have strong legal grounds to pursue compensation, even when the at-fault party is uninsured or underinsured.

Common Injuries in Rideshare Crashes

Because passengers have little control over how a rideshare driver operates the vehicle, they are particularly vulnerable in a crash. Common injuries include:

• Whiplash and neck injuries
• Broken bones
• Concussions and traumatic brain injuries
• Back and spinal cord injuries
• Lacerations and internal injuries

If you’ve suffered any of these, it’s crucial to seek immediate medical attention. Your health and your legal claim depend on prompt, documented care.

Insurance Coverage in Rideshare Accidents

It can be confusing to understand when Uber and Lyft insurance applies, especially since coverage depends on the driver’s status at the time of the accident.

1. App Off: If the driver is not logged into the app, their personal auto insurance is the only policy in effect.
2. App On, No Passenger: Uber and Lyft provide limited liability coverage when a driver is waiting for a ride request, which is typically $50,000 per person and $100,000 per accident.
3. Passenger Onboard: Once a ride is accepted and until the passenger is dropped off, both companies provide $1 million in liability coverage and uninsured/underinsured motorist protection.

As a passenger, you’re most likely to be covered under the most robust tier, but identifying the appropriate policy still requires legal precision.

What to Do After a Rideshare Accident

Being involved in a rideshare accident is stressful, but your actions in the aftermath can significantly impact your ability to secure compensation. Follow these steps:

1. Call 911 – Ensure that emergency services document the incident.
2. Get Medical Attention – Even if injuries seem minor, seek prompt care.
3. Document the Scene – Take photos, capture vehicle details, and get witness info.
4. Report the Crash in the App – Notify Uber or Lyft through their platform.
5. Avoid Speaking to Insurers Alone – Do not give statements or accept offers without legal advice.
6. Call an Attorney – A lawyer familiar with rideshare accident claims can help you build a strong case.

Building a Personal Injury Claim After a Rideshare Crash

To pursue a successful claim, you must prove that someone’s negligence caused your injuries and that you’ve suffered damages as a result, such as:

• Medical expenses (past and future)
• Lost wages and earning potential
• Pain and suffering
• Emotional distress
• Long-term disability or disfigurement

Working with a firm like Eugene Bruno & Associates ensures that every aspect of your damages is thoroughly documented and valued.

Fighting Back Against Insurance Tactics

Insurance companies—including those representing Uber and Lyft—are motivated to minimize settlements. They may argue that:

• Your injuries were pre-existing
• You were partially at fault
• The rideshare driver wasn’t logged in
• Their policy doesn’t apply

These tactics are designed to confuse and discourage you. Don’t fall for them. We know how to counteract these strategies and make your case as strong as possible.

How Eugene Bruno & Associates Can Help

When you work with Eugene Bruno & Associates, you gain a legal team with deep experience in handling rideshare claims. Here’s what sets us apart:

• Client-Centered Approach: We take the time to listen to your story and explain your options.
• Aggressive Representation: We negotiate and litigate with determination to secure full compensation.
• No Upfront Costs: We operate on a contingency fee basis—you don’t pay unless we win.
• Local Knowledge: We’re based in San Diego and know the intricacies of San Diego rideshare laws and courts.

Frequently Asked Questions

Can I sue Uber or Lyft directly?

Generally, Uber and Lyft classify their drivers as independent contractors, which shields the company from direct lawsuits in most cases. However, you can still pursue compensation through their insurance policies.

What if another driver caused the crash?

If a third-party driver is at fault, you can file a claim against their insurance. If they are uninsured or underinsured, Uber and Lyft’s coverage may kick in.

Do I need a lawyer for a rideshare accident claim?

Absolutely. These cases are complex and involve multiple parties, competing insurance policies, and corporate legal teams. An experienced personal injury attorney greatly increases your chances of a successful outcome.

Speak With Our Experienced Rideshare Accident Attorneys Today

If you’ve been injured while riding as a passenger in an Uber or Lyft vehicle, don’t navigate the legal aftermath alone. Have our San Diego Uber and Lyft accident lawyers by your side.

Call Eugene Bruno & Associates at 1-888-BRUNO-88 (1-888-278-6688) for a free consultation. We’re here to advocate for your rights and pursue the Lyft crash compensation or personal injury Uber claim you deserve.