Rideshare Passenger Injury Demand Letters

Uber and Lyft passengers injured in accidents have access to $1 million in insurance coverage. Navigate TNC insurance layers, driver liability, corporate negligence theories, and arbitration requirements to maximize your recovery.

Rideshare Passenger Injury Claims
Accident Scenario Primary Insurance Secondary Coverage
Uber/Lyft driver at fault TNC $1M liability policy Driver's personal auto (if TNC denies)
Third party driver at fault At-fault driver's auto insurance TNC UM/UIM coverage ($1M)
Hit-and-run during ride TNC uninsured motorist ($1M) Passenger's personal UM coverage
Single vehicle crash (driver error) TNC liability policy Med pay coverage if available
Multi-vehicle pileup All at-fault drivers' policies TNC excess/umbrella coverage

Why Rideshare Claims Are Different

  • $1 million in coverage available during active trips
  • Multiple insurance layers create complexity
  • Independent contractor status shields companies
  • Arbitration clauses in terms of service
  • App data provides strong evidence of trip details

Common Rideshare Passenger Injuries

  • Whiplash and cervical spine injuries
  • Concussions and traumatic brain injuries
  • Fractured ribs from seatbelt impact
  • Shoulder and hip injuries from side impacts
  • PTSD and anxiety from severe crashes
Good News for Passengers: Unlike drivers who face coverage disputes, passengers in active Uber or Lyft rides have clear access to $1 million in liability coverage. The challenge is navigating which insurer pays and maximizing your recovery.
Documentation Requirements
Immediate Post-Accident Steps

At the Scene

  • Call 911 for police report and medical response
  • Screenshot trip details in the Uber/Lyft app
  • Photograph all vehicles, damage, and scene
  • Get driver's name, license plate, and insurance info
  • Collect witness names and contact information
  • Note weather, lighting, and road conditions

Within 24-48 Hours

  • Report accident through the app (creates record)
  • Seek medical evaluation even if injuries seem minor
  • Request complete ride history from Uber/Lyft
  • Obtain copy of police report
  • Document all symptoms in a daily journal
  • Photograph visible injuries as they develop
Medical Documentation
  • Emergency room records: Initial diagnosis and treatment
  • Primary care follow-up: Ongoing symptom documentation
  • Specialist referrals: Orthopedic, neurological, pain management
  • Diagnostic imaging: X-rays, MRIs, CT scans
  • Physical therapy records: Progress notes and treatment plan
  • Mental health records: PTSD, anxiety, depression treatment
App and Digital Evidence
  • Trip receipt showing pickup, dropoff, route, and driver
  • Driver rating history and any prior complaints
  • GPS data showing vehicle speed and route
  • In-app messages with driver before/after trip
  • Payment records confirming you were a paying passenger
Insurance Documentation
  • TNC insurance policy declaration page
  • Driver's personal auto insurance information
  • Third party driver's insurance if applicable
  • Your own auto policy for UM/UIM coverage
  • Health insurance explanation of benefits showing payments
Data Preservation: Request your complete data file from Uber (privacy.uber.com) or Lyft (account data request) immediately. This includes trip history, GPS data, and driver information that may be deleted after a certain period.
Demand Letter Strategy
Identifying All Insurance Layers
Scenario Primary Target Secondary/Excess
Uber/Lyft driver caused crash TNC commercial policy ($1M) Driver's personal auto (if TNC disputes)
Other driver caused crash At-fault driver's auto policy TNC UM/UIM ($1M) if insufficient
Both drivers share fault Both policies proportionally Pursue each for their share
Uninsured/hit-and-run driver TNC UM coverage ($1M) Your personal UM policy
Key Demand Letter Elements
  1. Trip confirmation: Date, time, trip ID, driver name, vehicle information
  2. Accident description: Clear narrative with location, circumstances, fault
  3. Coverage confirmation: Identify which policy period and applicable coverage
  4. Liability analysis: Why the driver (or third party) was negligent
  5. Injury summary: Diagnoses, treatment, prognosis, permanent effects
  6. Damages calculation: Medical bills, lost wages, pain and suffering
  7. Policy limits demand: For serious injuries, demand full $1M
  8. Response deadline: 30 days is standard for demand letters
Negotiation Strategies

Maximizing Recovery

  • Document all future medical needs thoroughly
  • Obtain life care plan for catastrophic injuries
  • Calculate lost earning capacity, not just lost wages
  • Include per diem pain and suffering calculations
  • Reference comparable jury verdicts in your jurisdiction

Common Insurance Tactics

  • Disputing which policy period applies
  • Claiming pre-existing conditions caused injuries
  • Offering quick lowball settlements
  • Requesting unnecessary medical examinations
  • Delaying responses to pressure quick settlement
Policy Limits Tip: With $1 million in available coverage, serious injury claims should not settle for small amounts. If liability is clear, the insurance company's exposure justifies substantial offers.
Sample Rideshare Passenger Injury Demand Letter
[Date] Via Certified Mail and Email Claims Department Uber Technologies, Inc. 1515 3rd Street San Francisco, CA 94158 Re: Personal Injury Claim - Rideshare Passenger Claimant: [Client Name] Date of Loss: [Date] Trip ID: [Uber Trip ID] Driver: [Driver Name] Claim Number: [If Assigned] Dear Claims Representative: This firm represents [Client Name] regarding serious injuries sustained on [Date] while a passenger in an Uber vehicle. The accident occurred during an active Period 3 trip, triggering your company's $1 million commercial liability policy. We write to demand compensation for medical expenses, lost wages, and pain and suffering. TRIP AND ACCIDENT DETAILS On [Date] at approximately [Time], our client requested an Uber ride from [Pickup Location] to [Destination]. Driver [Name], operating a [Year, Make, Model] with license plate [Number], accepted the request. Trip ID [Number] confirms our client was an active passenger. At approximately [Time], while traveling [direction] on [Street Name] near [Cross Street/Landmark], your driver [describe negligent conduct: ran red light, failed to yield, was following too closely, was distracted by phone, etc.]. The vehicle struck [describe collision: rear-ended stopped traffic, collided with oncoming vehicle, struck pedestrian/cyclist, etc.]. [City] Police responded and prepared report #[Number], which attributes fault to your driver for [violation/negligence described in report]. LIABILITY ANALYSIS Your driver breached the duty of care owed to passengers by [specific negligent acts]. As a passenger in an active Uber trip, our client had no ability to control the driver's operation of the vehicle. Liability is clear and undisputed based on the police report, witness statements, and physical evidence. While Uber classifies drivers as independent contractors, our client's claim is against the commercial insurance policy that Uber is required to maintain for passenger protection. The policy provides $1 million in liability coverage during Period 3 trips. INJURIES AND MEDICAL TREATMENT Our client sustained the following injuries as a direct result of this collision: - Cervical disc herniation at C5-C6 with radiculopathy - Lumbar strain with ongoing muscle spasms - Grade II concussion with post-concussive syndrome - Left shoulder rotator cuff tear (partial thickness) - Contusions and abrasions to face and upper extremities Medical treatment to date includes: - Emergency room evaluation and imaging: $8,432 - Orthopedic consultation and MRI studies: $4,890 - Neurology evaluation and cognitive testing: $2,340 - Physical therapy (24 sessions to date): $3,840 - Pain management injections (3 series): $7,200 - Prescription medications: $1,245 Total medical expenses to date: $27,947 Our client's treating physician, Dr. [Name], has recommended surgical intervention for the cervical disc herniation. Estimated surgical costs are $85,000-$120,000 with 6-12 months of post-operative rehabilitation. LOST WAGES AND EARNING CAPACITY Our client works as a [Occupation] earning $[Amount] annually. Due to injuries, our client has missed [X] weeks of work, resulting in lost wages of $[Amount]. Post-surgery, an additional 3-4 months of disability is anticipated. Total lost wages (past and projected): $[Amount] DEMAND Based on clear liability, significant injuries requiring surgery, and substantial economic damages, we demand the sum of $[Amount] to resolve all claims. This figure accounts for: - Past medical expenses: $27,947 - Future medical expenses (surgery and rehab): $105,000 - Past lost wages: $[Amount] - Future lost wages during recovery: $[Amount] - Pain and suffering (past): $[Amount] - Pain and suffering (future): $[Amount] - Permanent impairment: $[Amount] Given the severity of injuries and clear liability, we believe this claim has significant value that may approach your policy limits. We invite you to evaluate the claim thoroughly and respond with a reasonable settlement offer within thirty (30) days. If we cannot reach resolution, we will pursue all available remedies including arbitration as required by your terms of service and/or civil litigation against all responsible parties. Sincerely, [Attorney Name] Attorney for [Client Name] [Law Firm] [Address] [Phone] [Email] Enclosures: - Trip receipt and confirmation - Police report - Medical records and billing statements - Employer verification of lost wages - Photographs of injuries and vehicle damage
Trip data from the app clearly shows when you requested the ride, when the driver accepted, and when pickup/dropoff occurred. If there's any dispute, the GPS and timestamp data from the app serves as definitive evidence of which coverage period applies.
Almost never. Initial offers are typically 20-40% of claim value. With $1 million in available coverage for serious injuries, there is significant room for negotiation. Wait until you have completed treatment or have a clear prognosis before settling.
Attorney Services & Contact

Rideshare Accident Representation

I represent passengers injured in Uber and Lyft accidents. My practice navigates the complex insurance layers and arbitration requirements to maximize recovery for injured passengers.

Email owner@terms.law or use Calendly for a paid strategy session.

Schedule strategy call

Services

  • Uber and Lyft passenger injury claims
  • TNC insurance coverage disputes
  • Underinsured motorist claims against rideshare policies
  • Arbitration representation when required
  • Coordination with accident reconstruction experts

Engagement Notes

  • 📄 Demand letter: Flat fee $450
  • ⏱️ Extended negotiation: $240/hr
  • 📊 Contingency: 33-40% for strong claims