Uber and Lyft Accident Claims in Granite Bay: What Victims Need to Know 

Rideshare services like Uber and Lyft are a routine part of daily life throughout Granite Bay, Roseville, and Sacramento. Whether people use them for commuting, airport trips, or local errands, rideshare vehicles are everywhere on our roads. And while they offer convenience, accidents can, and do, happen. When a rideshare collision occurs, victims often face a confusing situation involving multiple insurance policies, unclear liability, and companies motivated to protect their own interests. Trying to navigate these claims on your own can be hard and leave you with less than you deserve. 

   

At the Law Office of Brian P. Azemika, we help rideshare accident victims understand their rights and pursue the compensation they deserve. With over two decades of personal injury experience and millions recovered for injured clients, founding attorney Brian P. Azemika provides compassionate, hands-on representation from start to finish. If you were hurt in an Uber or Lyft crash in Granite Bay, we offer free consultations to review your case and explain your legal options. 

 

Why Rideshare Claims Are More Complicated Than Regular Car Accidents 

Unlike standard auto accidents, Uber and Lyft collisions involve several layers of insurance coverage that depend on what the rideshare driver was doing at the time of the crash. This creates confusion about whose insurance applies and how much coverage is available. Here’s a clear breakdown of how liability and insurance usually work in these cases: 

   

1. The Driver Is Offline (Not Using the Rideshare App) 

If the driver is not logged into the Uber or Lyft app, their personal auto insurance is responsible, not the rideshare company. 

   

2. The Driver Is Online but Has Not Accepted a Ride 

When the driver is waiting for a ride request, Uber and Lyft provide limited liability coverage, typically only for third-party injuries. Their personal policy may still apply first, which often causes disputes between insurers. 

   

3. The Driver Accepted a Ride or Has a Passenger in the Vehicle 

When the driver is en route to pick up a passenger or already has one in the vehicle, Uber and Lyft provide up to $1 million in liability coverage, along with uninsured/underinsured motorist coverage in many situations. 

   

4. Additional Parties May Be Involved 

Depending on the accident, other responsible parties may include: 

• Another negligent driver 
• Vehicle or parts manufacturers (in defective-vehicle cases) 
• Government entities (for dangerous road conditions) 
• Commercial vehicle operators 

   

Because each party may have its own insurer, and each insurer may try to deny liability, rideshare accident claims can quickly become complex. Having our team by your side is essential to navigating these overlapping policies, protecting your rights, and ensuring you pursue compensation from every available source. 

 

Who Can File a Rideshare Accident Claim? 

You may be able to file a claim if you were injured as: 

   

• An Uber or Lyft passenger 
• A driver or passenger in another car involved in the crash 
• A pedestrian or bicyclist struck by a rideshare vehicle 
• Someone else’s negligence injured a rideshare driver 

   

Regardless of your role in the accident, you have legal rights, and the process doesn’t have to be overwhelming. Our team guides clients through every step, from filing claims and gathering evidence to negotiating with insurers and, when necessary, preparing for litigation. 

 

When Personal Insurance Isn’t Enough After a Rideshare Accident

Most personal auto insurance policies do not cover drivers while they are engaged in commercial activity. This means that if you drive for Uber or Lyft, your individual insurer may deny your claim the moment the rideshare app is turned on, even if you haven’t accepted a ride yet. At the Law Office of Brian P. Azemika, we help injured victims understand these coverage gaps and ensure they are protected after a rideshare accident. With more than 20 years of experience, Brian P. Azemika knows how to challenge improper denials from personal insurance companies and pursue the appropriate coverage through Uber’s or Lyft’s insurance policies. Our firm works to make sure no insurer avoids responsibility and that you receive the full compensation you are entitled to under the law. 

 

What Compensation Is Available After an Uber or Lyft Accident? 

If you were injured in a rideshare accident, you may be entitled to significant compensation depending on the severity of your injuries and the circumstances of the crash. Damages may include: 

   

• Medical expenses (emergency care, surgery, physical therapy, medication, ongoing treatment). 
• Lost wages or loss of earning capacity. 
• Pain and suffering. 
• Emotional distress. 
• Scarring, disability, or permanent injury. 
• Property damage. 
• Wrongful death damages for families who lost a loved one. 

   

At the Law Office of Brian P. Azemika, we carefully evaluate the full extent of your losses to ensure insurance companies cannot downplay your injuries or pressure you into an unfair settlement. Brian personally handles every case, negotiating aggressively to maximize your compensation. 

 

Why Having the Law Office of Brian P. Azemika By Your Side Makes the Process Easier 

Rideshare accident claims involve competing insurance companies, complex liability questions, and large corporations determined to protect their own interests. Having the Law Office of Brian P. Azemika by your side ensures you are never navigating this process alone. Our team conducts a thorough investigation into the accident, determines who is responsible, and identifies all available insurance coverage to maximize your recovery. We communicate directly with Uber, Lyft, and all involved insurers so you don’t have to, while also gathering medical records, witness statements, accident reports, and all necessary evidence to build a strong claim. With over 20 years of experience, Attorney Brian P. Azemika personally oversees every case, negotiates aggressively to secure a fair settlement, and is always prepared to take the case to court if necessary. His hands-on, compassionate advocacy provides injured clients with the guidance, protection, and confidence they need during an overwhelming and stressful time, ensuring no insurer takes advantage of them and that they receive the compensation they deserve. 

 

Tips for Maximizing Your Rideshare Accident Settlement 

After an Uber or Lyft accident, the steps you take can significantly affect the value of your claim. Insurance companies often look for reasons to reduce or deny payouts, so protecting your case from the beginning is essential. Here are key tips we recommend to help you maximize your settlement: 

 

Seek Immediate Medical Attention 

Always get medical care as soon as possible after the accident, even if you think your injuries are minor. Not only does this protect your health, but it also creates critical documentation that links your injuries to the accident, which is something insurers always look for when evaluating a claim. 

 

Do Not Speak With Insurance Companies or Adjusters 

Insurance adjusters may sound friendly, but their goal is to minimize what the company pays. Do not give recorded statements, discuss your injuries, or answer detailed questions without legal guidance. A simple comment can be misinterpreted and used against you later. 

 

Avoid Accepting Quick Settlement Offers 

Rideshare insurers often push fast, low-dollar payouts before you understand the full extent of your injuries. Accepting too early can leave you without enough compensation for future medical care or lost income. 

 

Document Everything 

Keep records of medical visits, prescriptions, missed work, and any symptoms or limitations you experience. If possible, take photos of the accident scene, vehicle damage, and your injuries. 

 

Reach Out Early 

Working with our team ensures your rights are protected from the beginning. At the Law Office of Brian P. Azemika, we handle communications with insurers, preserve crucial evidence, and build a strong claim aimed at maximizing your financial recovery. 

Following these steps helps strengthen your case and increases your chances of receiving the full compensation you deserve. 

 

Get Your Free Consultation Today

If you or a loved one was injured in an Uber or Lyft accident in Granite Bay, don’t wait to get the help you need. Evidence can disappear quickly, and rideshare insurers act fast to protect themselves. Contact the Law Office of Brian P. Azemika today for a free, no-obligation consultation. We’ll explain your rights, outline your options, and begin fighting for the compensation you deserve.