Rideshare Passenger Injury Claims in Michigan
If you were injured as a passenger in an Uber or Lyft, your claim is different from a standard car accident. Rideshare companies maintain commercial insurance policies that provide substantial coverage, but accessing that coverage requires navigating a layered insurance system. Koussan Law handles rideshare passenger injury claims throughout Michigan.
Insurance Coverage Tiers for Rideshare Accidents
Uber and Lyft maintain $1 million in liability coverage when a driver is actively carrying a passenger. This coverage kicks in when the driver is on a trip (passenger in the vehicle). If the driver was logged into the app but hadn't accepted a ride, lower coverage applies. If the app was off, only the driver's personal policy applies. As a passenger, you were in the vehicle during an active trip — meaning the full $1 million commercial policy should be available.
Who Do You Sue?
As a rideshare passenger, you are never at fault for the accident. Your claim may be against the rideshare driver if they caused the crash, against the other driver if they were at fault, or against both. In either case, the rideshare company's commercial insurance provides the primary coverage. Michigan's no-fault PIP benefits also apply — you file PIP through your own auto policy (or a household member's), and pursue a third-party claim for pain and suffering against the at-fault driver.
Common Rideshare Accident Injuries
Rear-seat passengers in rideshare vehicles are particularly vulnerable because many rideshare cars lack the same safety features in the back seat. Common injuries include whiplash, spinal injuries, fractures, and concussions. The presence of significant insurance coverage means these claims can produce substantial recoveries.
Injured in an Uber or Lyft? Call Koussan Law at (313) 800-0000 or use our case calculator.
