Atlanta Rideshare Accident Lawyer, Built for Trial

A rideshare wreck causes the same injuries as any other crash. The insurance behind it is what makes your claim different.

Uber and Lyft do not employ their drivers, and they built the coverage that way on purpose. One thing decides which policy pays you: what the app was doing at the moment of impact. It can mean a $1 million policy, a much smaller backup policy, or only the driver’s personal insurance. Get that wrong and a serious claim gets handled like a fender bender.

From your first call, your rideshare accident attorney pins down the app status, the trip record, and every policy in play. You focus on getting better.

Were you a passenger when it happened? Then here is your answer up front: the $1 million commercial policy was in force, and uninsured or underinsured motorist coverage generally applies too. Read on for what changes if you were the driver, or if the app was off.

Georgia requires rideshare companies to carry coverage, but only during certain windows, and the amount changes inside them. The industry describes four situations, and which one applied decides what your claim can reach.

The app is off. The driver is a regular motorist. Only their personal auto policy applies, and personal policies often exclude commercial driving.

The app is on and the driver is waiting for a ride request. A smaller policy applies, commonly $50,000 per person and $100,000 per accident for injuries, plus property damage coverage. Georgia requires that policy to be primary, so you do not have to wait for the driver’s own insurer to deny first.

The driver has accepted your ride and is coming to get you. The $1 million commercial liability policy generally applies from that moment, and so does the company’s uninsured motorist coverage.

You are in the car. The same $1 million liability policy generally applies. Uninsured and underinsured motorist coverage applies too, but at a much lower limit. Since July 2023, Georgia requires rideshare companies to carry $100,000 per person and $300,000 per accident in uninsured motorist coverage, reduced from $1 million. That lower number is what you look to when the driver who hit your Uber has little insurance or none at all.

That last point is the one most people never hear: if another driver caused the crash and carries almost no insurance, the rideshare company’s uninsured motorist coverage can still pay, and so can the uninsured motorist coverage on your own auto policy if you have one. Both are worth finding. Which period applied opens that door, and the proof lives in an app, not a glovebox. It sits on the company’s servers, and someone has to demand it in writing.

You do not need to own a car or carry your own auto insurance for any of this. If you were a passenger, the rideshare company’s coverage is yours to claim.

The results are real. More than $140 million recovered, including a $99.9 million verdict Brendan Flanagan tried and won, an $8.5 million settlement, and results for injured clients across Fulton, Gwinnett, Cobb, Forsyth, Fayette, and Newton counties. An insurer prices a claim differently when it believes the firm will actually put it in front of a jury.

Brendan owns your case start to finish, so you will not be handed to a case manager you never met. Past results never guarantee a future outcome, but they show you how the firm works.

Most of our rideshare cases are not headline verdicts. They are a neck, a back, a concussion, a few weeks of missed work, and an insurer hoping you settle for less than the treatment will cost.

These are real client reviews. Results depend on the facts of each case.

You don’t need to understand rideshare insurance law today. You need a clear path and one easy first step. We keep it to three.

Here is what handled looks like. The bills go to the right insurer instead of your mailbox. The adjuster’s calls come to us. You know where your case stands because your lawyer tells you, not because you chased anyone. Your only job is getting better.

If you were the passenger, start here: you generally cannot be blamed for the crash, and both drivers’ policies plus the rideshare coverage may be available to you. You are not the only one with a claim, though:

Georgia law lets you recover everything the crash cost you, including the bills that have not arrived yet.

Your case is worth the full cost of the crash, weighed against the strength of the evidence, how clear the fault is, and which insurance period applied. If you were riding when it happened, far more coverage is open to you than if the app had been off. That difference can be the whole case.

Any lawyer who quotes you a number before reading your records and confirming the app status is guessing. What we will do on the first call is tell you which insurance period applied to your crash and what coverage that opens. That takes about ten minutes and it costs nothing. Call 404-480-4474. Your treatment runs its course. Your attorney documents the losses and the coverage. Then we negotiate from strength, and we file suit if the companies will not deal fairly.

Rideshare driving creates its own risks, and they show up in the evidence: