How to File a Claim After an Uber or Lyft Accident in North Carolina?

File a Claim After an Uber or Lyft Accident in North Carolina Durham

Getting into a car accident is always stressful, and it can be even more confusing if the accident involves a rideshare vehicle like Uber or Lyft. If you find yourself in this situation in North Carolina, it’s essential to know the steps to take to ensure you can file a claim effectively. This guide will walk you through the process, from the immediate aftermath of the accident to the resolution of your claim.

1. Immediate Steps After the Accident

Ensure Safety and Seek Medical Attention

Your health and safety are the top priorities. If you are injured, seek medical attention immediately. Even if you don’t think you’re hurt, it’s wise to see a doctor, as some injuries aren’t immediately apparent.

Call the Police

Contact the police to report the accident. An official police report will be crucial for your claim. Make sure to get the names and badge numbers of the officers who respond to the scene.

Gather Information

Collect as much information as possible from all parties involved:

  • Names, contact details, and insurance information of all drivers.
  • Contact information of any passengers and witnesses.
  • The rideshare driver’s name, contact information, and details about their vehicle.
  • Photos of the accident scene, vehicle damage, and any visible injuries.

Notify Uber or Lyft about the accident.

Use the app to report the accident to the rideshare company. Both Uber and Lyft have specific procedures for handling accidents, which usually involve filling out an accident report form through their app.

2. Understanding Insurance Coverage

Uber and Lyft’s Insurance Policies

Uber and Lyft provide car insurance coverage that varies depending on the rideshare driver’s status at the time of the accident:

  • Offline or App Off – The driver’s personal insurance is in effect.
  • App On, No Ride Accepted – If the driver’s personal insurance does not cover the incident, Uber and Lyft offer contingent liability coverage. This includes a maximum of $50,000 per person for bodily injury, $100,000 total harm per accident, and $25k for property damage.
  • Ride Accepted or Passenger Onboard – Both companies offer $1 million liability coverage, plus limited coverage for damage to the driver’s car and uninsured/underinsured motorist coverage.

Determining the Applicable Coverage

The coverage that applies depends on the driver’s status at the time of the accident. Make sure to find out whether the driver was waiting for a ride request, en route to pick up a passenger, or carrying a passenger.

3. Filing a Claim

Notify the Insurance Companies

You will need to inform both your insurance company and the rideshare company’s insurance provider about the accident. Be honest and provide all necessary details.

Gather Documentation

Collect all relevant documentation, including:

  • Medical records and bills.
  • Repair estimates for vehicle damage.
  • Police report.
  • Any communication with Uber, Lyft, and their insurance companies.

Consult an Attorney

Consider speaking with a personal injury lawyer who specializes in ridesharing incidents. They can guide you through the complexities of the insurance claims procedure and ensure you receive appropriate compensation.

Submit the Claim

Submit a claim to the proper insurance carriers. This will most likely include Uber or Lyft’s insurance, as well as the driver’s own insurance if necessary. Be prepared to negotiate, as first bids may not pay all of your expenses.

How to File a Claim After an Uber or Lyft Accident in North Carolina Durham

4. Dealing with Insurance Adjusters

Provide Accurate Information

When dealing with insurance adjusters, provide accurate and consistent information. Avoid speculating about details you’re unsure of.

Don’t Settle Too Quickly

Insurance companies may try to settle quickly for less than what you deserve. It’s important not to rush the process. Wait until you have a clear understanding of the extent of your injuries and damages.

Legal Representation

Having a lawyer can be beneficial during negotiations. They can advocate on your behalf to ensure you receive a fair settlement.

5. What If Your Claim Is Denied?

Understanding the Reason

If your claim is denied, the insurance company must provide a reason. Understanding this reason is crucial for deciding your next steps.

Appeal the Decision

You can appeal the denial. This may involve providing additional documentation or clarification.

Consider Litigation

If the appeal is unsuccessful, you may need to consider filing a lawsuit. Your attorney can guide you through this process and help you understand your legal options.


Filing a claim following an Uber or Lyft accident in North Carolina is a multifaceted process, spanning safety measures and negotiations with insurers. Navigating this journey effectively enhances your chances of securing rightful compensation for injuries like brain injuries and fatalities. Seeking counsel from experienced attorneys at a reputable law firm familiar with motor vehicle accidents and rideshare drivers ensures a thorough understanding of insurance policies and potential settlements, optimizing your position in negotiations for fair financial recovery.

If you have any specific questions or need further guidance, don’t hesitate to contact a local attorney who specializes in rideshare accidents. They can provide tailored advice based on the details of your case. Stay safe, and drive responsibly!

Frequently Asked Questions (FAQs)

Here are some FAQs about Uber or Lyft Accident in North Carolina:

Q. How long do I have to file a claim after an Uber or Lyft accident in North Carolina?

In North Carolina, the limitations for personal injury claims is typically three years from the date of the accident. This means you normally have three years to submit a claim for injuries or damages incurred in the accident. It is critical to act quickly and speak with an attorney to ensure that you meet all legal deadlines and requirements.

Q. How to gather evidence for an Uber or Lyft accident claim in North Carolina?

To begin gathering evidence for an Uber or Lyft accident claim in North Carolina, collect all parties’ names, contact information, and insurance information. Take photographs of the accident site, vehicle damage, and any noticeable injuries. Obtain a copy of the police report and keep track of any medical care obtained. These methods will assist you substantiate your claim and provide the essential documentation for insurance companies and legal actions.

Q. How much compensation can I expect from an Uber or Lyft accident claim in North Carolina?

The amount of compensation you can expect from an Uber or Lyft accident claim in North Carolina depends on factors like the severity of your injuries, medical expenses, lost wages, and the insurance coverage available. Typically, compensation may include medical bills, vehicle repairs or replacement costs, lost income, and possibly pain and suffering damages. To determine a more accurate estimate, consulting with a qualified personal injury attorney familiar with rideshare accident claims is advisable.

Q. Should I consult a personal injury lawyer for assistance with my claim?

Yes, consulting with a personal injury lawyer is advisable if you’ve been involved in an accident, especially with rideshare services like Uber or Lyft. A lawyer can help navigate the complexities of insurance claims, ensure you understand your rights, and advocate on your behalf to secure fair compensation for your injuries and damages. Their expertise can significantly increase your chances of a favorable outcome in your claim.

Q. What types of compensation can be sought through a claim after an Uber or Lyft accident?

After an Uber or Lyft accident, you can seek compensation for various losses, including medical expenses for injuries sustained, property damage to your vehicle, lost wages due to inability to work, and compensation for pain and suffering endured as a result of the accident. The exact amount and types of compensation depend on factors such as the severity of injuries and the circumstances of the accident. Consulting with a car accident attorney can help you understand what specific damages you may be entitled to pursue in your claim.

Q. What is the legal process for Rideshare Accidents in North Carolina?

In North Carolina, the legal process for rideshare accidents typically involves determining liability based on the driver’s status at the time of the accident—whether they were off-duty, waiting for a ride request, en route to pick up a passenger, or transporting a passenger. Victims must gather evidence such as police reports, medical records, and witness statements to support their claim. They should notify both their insurance company and the rideshare company’s insurer, understanding that negotiations may be necessary to reach a fair settlement. Consulting with a knowledgeable attorney can help navigate this process and ensure legal rights are protected throughout.

Q. Can I sue Uber/Lyft for negligence in North Carolina?

Yes, you can sue Uber or Lyft for negligence in North Carolina if their driver’s actions or their own policies contributed to your injury. To succeed, you’ll need to establish that the company breached a duty of care owed to you, that this breach caused your injury, and that you suffered damages as a result. Consulting with a personal injury attorney familiar with rideshare laws in North Carolina can help you assess the viability of your case and navigate the legal process effectively.

Trust Constantinou & Burkert for Expert Legal Guidance!

If you’ve been involved in an Uber or Lyft accident in North Carolina and need expert guidance to navigate the claims process, Constantinou & Burkert is here to help. Our experienced car accident lawyers in DurhamNorth Carolina, specialize in handling rideshare accident cases and are dedicated to ensuring you understand your rights and the intricacies of filing a claim.

We will assist you in acquiring any required documents, such as medical records, police reports, and repair estimates, and will negotiate with insurance companies on your behalf to guarantee you receive the reimbursement you deserve. The aftermath of a ridesharing accident can be overwhelming, but Constantinou & Burkert has the experience to handle your case.

Contact us today for a consultation and let our committed team guide you through every step of the process, providing the support and legal representation you need during this challenging time!

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(919) 683-1302

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Angela Smith

Business Owner

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