In Ohio, rideshare accident claims are governed by a mix of personal injury laws, rideshare insurance policies, and comparative negligence rules.
Under Ohio Revised Code § 2315.33, the state follows a modified comparative negligence system, meaning an injured party can recover damages as long as they are less than 51% at fault for the accident.
The statute of limitations for personal injury claims in Ohio is two years (ORC § 2305.10), meaning victims must file a claim within this period or risk losing their right to compensation.
Uber and Lyft accidents involve complex insurance structures, with different coverage limits depending on the driver’s status at the time of the crash.
We will explain this in the subsequent section below.
Because liability may be disputed between the rideshare driver, Uber or Lyft, and other motorists, a skilled attorney is essential in gathering evidence, reviewing app data, and analyzing insurance policies to ensure that the correct party is held accountable.
A lawyer will also protect victims from insurance adjusters who attempt to shift blame or undervalue claims, particularly under Ohio’s modified comparative negligence system.
Steps in the Legal Process for a Rideshare Accident Claim in Ohio include:
- Consult a Rideshare Accident Attorney – An experienced lawyer can assess who is liable, what insurance coverage applies, and how to pursue compensation.
- Liability Determination – Establish whether the Uber or Lyft driver was logged into the app, waiting for a ride, or actively transporting a passenger to determine which insurance policies apply.
- Investigation and Evidence Collection – Gather rideshare app data, dash cam footage, police reports, medical records, and witness statements to build a strong claim.
- File an Insurance Claim – Submit a claim to Uber or Lyft’s insurance provider, the driver’s personal auto insurance, or another at-fault party’s insurer.
- Settlement Negotiations – Your lawyer will handle negotiations with insurance companies to fight for the maximum compensation for medical costs, lost wages, and emotional distress.
- File a Lawsuit (If Necessary) – If a fair settlement isn’t reached, your attorney can file a lawsuit within Ohio’s two-year statute of limitations and represent you in court.
- Proceed to Trial (If Needed) – If the case goes to trial, your lawyer will present evidence, call expert witnesses, and argue for full compensation in court.
Because rideshare accident claims involve multiple policies, overlapping liability, and insurance disputes, working with an experienced legal team is critical.
Insurance Coverage in Rideshare Accidents Explained
Accidents involving Uber, Lyft, and other rideshare services present unique insurance challenges that differ from standard car accidents.
In Ohio, rideshare drivers are required to carry different levels of liability coverage based on their activity at the time of the crash.
Whether an injured party is a passenger, another motorist, a pedestrian, or even the rideshare driver themselves, determining which insurance policy applies is a critical step in securing compensation.
Unlike traditional auto insurance claims, where a driver’s personal insurance policies are the primary source of coverage, rideshare companies provide additional liability protection under certain conditions.
However, disputes frequently arise between personal auto insurance carriers, rideshare insurance providers, and other at-fault parties regarding which policy is responsible for covering damages.
Consulting with experienced legal counsel can help accident victims understand their rights in these situations.
The amount of coverage available in a rideshare accident depends on the driver’s status at the time of the crash, outlined below.
Driver is Offline (Not Logged Into the App)
If the driver is using their vehicle for personal reasons and not logged into the Uber or Lyft app, their own insurance applies.
Uber and Lyft provide no coverage in this scenario, meaning all claims must be directed to the driver’s personal insurance policies.
Driver is Online But Waiting for a Ride Request
If the driver is logged into the app but has not yet accepted a ride request, limited third-party liability coverage applies under Ohio law.
However, this liability coverage only applies if the driver’s personal insurance denies the claim:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 for property damage
Driver Has Accepted a Ride & Is En Route to Pick Up a Passenger
Once a rideshare driver accepts a trip, Uber and Lyft’s insurance policies increase significantly.
At this stage, Uber and Lyft assume primary responsibility for claims, and the rideshare driver’s personal insurance does not apply:
- $1 million in liability coverage for bodily injury and property damage.
- Uninsured/Underinsured Motorist Coverage may apply if another driver causes the accident but lacks adequate insurance.
Passenger is in the Vehicle & the Ride is in Progress
While an Uber or Lyft ride is actively in progress, the rideshare company’s full $1 million liability coverage remains in effect.
This coverage applies to passengers, other motorists, pedestrians, cyclists, or anyone injured due to the rideshare vehicle’s actions.
Additional uninsured/underinsured motorist coverage may apply in cases where another at-fault driver lacks sufficient insurance.
Why Insurance Disputes Arise in Rideshare Accident Claims
Although rideshare companies offer significant liability coverage, securing compensation is rarely straightforward.
Insurance companies often attempt to:
- Deny coverage by disputing whether the driver was logged into the app.
- Argue that another party, such as another driver or pedestrian, was partially at fault to reduce payouts.
- Offer quick, low settlements that fail to cover the full extent of injuries, medical bills, and lost wages.
Because rideshare accident claims involve multiple policies and insurance carriers, injured victims often face delays, disputes, and underpaid claims.
Working with experienced legal counsel can help determine which policies apply, challenge unfair denials, and secure full compensation for medical expenses, lost wages, and pain and suffering.