Introduction:
Rideshare companies like Uber and Lyft are supposed to vet their drivers—but what happens if your driver doesn’t have valid insurance, or you’re hit by an uninsured driver while riding?

In Alabama, this can make recovering compensation more complicated—but not impossible. Here’s what to do if you’re injured in an Uber or Lyft crash and find out the driver involved was uninsured or underinsured.

Step 1: Confirm Rideshare Coverage Was Active
Rideshare insurance depends on what the driver was doing:

  • Driver Status Coverage Provided by Uber/Lyft
  • App off No coverage
  • App on, no ride Limited coverage
  • Passenger in car Up to $1 million in liability

If the accident happened while the driver was actively transporting you, Uber or Lyft’s $1 million liability coverage should apply—regardless of the driver’s personal insurance status.

Step 2: File an Uninsured Motorist (UM) Claim
If you were hit by an uninsured driver while riding in an Uber or Lyft (or if your own driver lacked coverage), your own auto policy may include Uninsured/Underinsured Motorist (UM/UIM) coverage.

Our legal team can:

  • Help determine all available coverage sources
  • File a UM/UIM claim if needed
  • Fight attempts by insurers to delay or deny your compensation

Step 3: Know What You Can Recover
Whether through the rideshare company or your own policy, you may be entitled to:

  • Medical bills (ER visits, surgery, therapy)
  • Lost wages or reduced earning capacity
  • Pain and suffering
  • Property damage (if you were also a driver)
  • Wrongful death benefits (if a loved one was killed)

Step 4: Don’t Settle Without a Lawyer
These situations are legally complex, and insurance companies may push lowball settlements—especially when uninsured drivers are involved.

Let us:

  • Investigate insurance status
  • Communicate with Uber or Lyft
  • Maximize your recovery

Conclusion & Call to Action:
If you’ve been injured in a rideshare accident and found out the driver was uninsured, don’t assume you’re out of luck. You may still have strong options.

Call Counsel Hound at  1-855-804-6863 or visit counselhound.com for a FREE consultation.

Disclaimer:
This blog is for informational purposes only and does not constitute legal advice. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. Every case is different. Speak to a qualified Alabama attorney for legal advice.