Can I sue Uber or Lyft after an accident in Ann Arbor?

Uber and Lyft maintain they are technology platforms, not transportation companies, and that drivers are independent contractors. However, they do carry commercial insurance policies. Our attorneys know how to navigate these corporate structures and access the maximum available insurance coverage.

What insurance covers a rideshare accident?

Coverage depends on the driver's app status at the time of the crash. During active rides, Uber and Lyft provide up to $1 million in liability coverage. The specific coverage tier depends on whether the driver was waiting for a request, en route to pickup, or carrying a passenger.

How much is my rideshare accident case worth in Michigan?

Case value depends on injury severity, medical costs, lost wages, and available insurance coverage. With up to $1 million in rideshare company coverage plus personal policies, significant recovery is often available. Contact us for a free case evaluation.

What if the rideshare driver was at fault for my accident?

If the rideshare driver caused the accident, their insurance (personal or commercial, depending on app status) applies. We pursue claims against every applicable policy to maximize your recovery.

What should I do after a rideshare accident in Ann Arbor?

Call 911, seek medical attention, screenshot the ride details in the Uber/Lyft app before they disappear, photograph the scene and vehicles, and contact HOV Law at +1 (407) 801-0101. Do not give recorded statements to any insurance company.

ANN ARBOR RIDESHARE ACCIDENT ATTORNEY

Justice for Rideshare Accident Victims

Navigating complex Uber and Lyft insurance policies to recover your compensation. Serving Ann Arbor, Washtenaw County, and all of Michigan.

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+1 (407) 801-0101

Cases Handled

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Why Choose HOV Law

Navigating Complex
Rideshare Claims

Rideshare Insurance Navigation

Uber and Lyft carry up to $1 million in liability coverage — but only during certain phases of a trip. We know exactly which policy applies and how to access it for your Ann Arbor rideshare accident case.

Multi-Party Claims

Rideshare accidents can involve the driver, the rideshare company, other motorists, and multiple insurance policies. We untangle this complexity and pursue every available source of recovery.

Corporate Accountability

Uber and Lyft classify drivers as independent contractors to avoid liability. We challenge this and fight to hold the rideshare company accountable for your injuries.

Complex Insurance,
Simple Goal — Maximum Recovery

Rideshare accident claims are uniquely complex because of overlapping insurance policies and corporate legal structures designed to shield Uber and Lyft from liability. Our attorneys cut through this complexity to get you paid.

Passenger Injuries

Hit by a Rideshare Driver

Rideshare Driver Injuries

Pedestrian/Cyclist Struck

Your Path to Recovery

We handle the legal complexities so you can focus on healing.

Free Case Review

After a rideshare accident in Ann Arbor, call HOV Law immediately. We'll determine which insurance policies apply and explain your options at no cost.

Policy Analysis

We analyze the rideshare driver's app status at the time of the crash — offline, waiting for a ride, en route to pickup, or on a trip — because this determines which insurance coverage applies.

Multi-Policy Negotiation

We negotiate with the rideshare company's insurer, the driver's personal insurer, and any other liable driver's insurer simultaneously to maximize your total recovery.

Litigation When Needed

If the rideshare company or its insurers refuse to pay fairly, we take them to court. We've taken on billion-dollar companies and won.

Ann Arbor Rideshare Accident Attorney — Uber & Lyft Crash Claims

Rideshare services like Uber and Lyft have transformed transportation in Ann Arbor — but they've also created a new category of complex accident claims. Whether you were a passenger in a rideshare vehicle, struck by a rideshare driver, or a rideshare driver injured on the job, recovering compensation requires navigating a maze of overlapping insurance policies and corporate liability shields.

At HOV Law, our Ann Arbor rideshare accident attorneys specialize in these complex claims. We understand the three-phase insurance structure, know how to pierce Uber and Lyft's corporate defenses, and fight to recover maximum compensation from every available source.

ZERO upfront fees. NO WIN, NO FEE.

Understanding Rideshare Insurance Coverage

Rideshare insurance operates on a three-phase system that determines which policy applies. Our attorneys know exactly how to navigate each phase:
Phase 1:App On, No Ride Request — The driver has the app on but hasn't accepted a ride. The rideshare company provides limited liability coverage (typically $50,000/$100,000 per accident). The driver's personal insurance may also apply.
Phase 2:Ride Accepted, En Route to Pickup — The driver has accepted a ride request and is driving to pick up the passenger. Uber and Lyft provide $1 million in liability coverage.
Phase 3:Passenger in Vehicle — The passenger is in the vehicle. Full $1 million liability coverage applies, plus uninsured/underinsured motorist coverage.
Off App — If the driver's app is off, their personal auto insurance applies. The rideshare company has no coverage obligation.
Determining the driver's exact app status at the time of the crash is critical. Our attorneys obtain this data directly from Uber and Lyft through legal discovery.

Who Can File a Rideshare Accident Claim in Ann Arbor?

Passengers — If you were riding in an Uber or Lyft and were injured in an accident, you can file a claim against the at-fault driver's insurance and/or the rideshare company's commercial policy.
Other Drivers — If a rideshare driver caused your accident, you can file a claim against the rideshare company's insurance, which provides up to $1 million in liability coverage during active rides.
Pedestrians and Cyclists — If you were struck by a rideshare driver while walking or cycling, you have the same claims available as against any negligent driver, plus access to the rideshare company's commercial coverage.
Rideshare Drivers — If you're an Uber or Lyft driver injured by another motorist, you may have claims against the other driver's insurance, your own coverage, and potentially the rideshare company's insurance.

Michigan Laws That Affect Your Case

Statute of Limitations

In Michigan, you have a limited time to file your claim: 3 years for personal injury (MCL § 600.5805). Missing this deadline typically means you lose your right to compensation permanently.

“Time is your most valuable asset after an injury. Contact a Ann Arbor attorney immediately to ensure your claim is preserved.”

Modified Comparative Negligence

Michigan follows a modified comparative fault system. You can recover damages only if you are less than 50% at fault. Your compensation is reduced by your percentage of fault.

Michigan Insurance System

Michigan operates under a No-Fault (PIP required) system. Drivers choose PIP coverage levels; unlimited PIP was historically required but reformed in 2019.

Key Michigan Legal Facts

Modified comparative negligence — must be less than 50% at fault to recover

3-year statute of limitations for most personal injury cases

No-fault state with reformed PIP coverage options (post-2019)

Serious impairment of body function threshold to sue for non-economic damages in auto cases

Punitive damages are generally not available in Michigan

Local Knowledge: Ann Arbor

High-Risk Roads & Highways

I-94
US-23
Washtenaw Avenue
Stadium Boulevard

Local Courts

Washtenaw County Trial Court
Twenty-Second Judicial Circuit Court

Areas We Serve Near Ann Arbor

Ypsilanti
Saline
Dexter
Chelsea

Ann Arbor Landmarks

University of Michigan
Downtown Ann Arbor
Briarwood Mall

What Compensation May Cover

Under Michigan law, you may be entitled to recover damages for the full impact of your injuries.

Economic Damages

• Medical bills (past & future)
• Lost wages & earning capacity
• Property damage
• Rehabilitation costs

Non-Economic Damages

• Pain and suffering
• Mental anguish
• Loss of consortium
• Physical impairment

Maximum Recovery

We fight for every dollar you deserve.

Michigan Law

No general cap on economic damages; non-economic damages subject to threshold

Ann Arbor Rideshare Accidents FAQs

Hurt in a
Rideshare Accident?

Don't navigate the complex rideshare insurance maze alone. Contact HOV Law for a free consultation with an experienced Ann Arbor rideshare accident attorney.