Respuesta rápida: If you were hurt in an Uber or Lyft crash in Mississippi — as a passenger, another driver, or a pedestrian — the coverage that applies depends on what the rideshare driver was doing at the moment of the wreck. When a ride is accepted or a passenger is aboard, Uber and Lyft carry $1 millón third-party liability coverage. You generally have tres años to file (Miss. Code § 15-1-49), and Mississippi’s pura falla comparativa rule (§ 11-7-15) applies. Call 800-224-5546 — free consultation, no fee unless you win.
- Coverage depends on the app phase. App off = the driver’s personal policy; app on, waiting for a ride = limited contingent coverage; ride accepted or passenger aboard = the company’s $1 millón policy.
- Passengers are almost never at fault — the question is which driver (and which policy) is responsible.
- Multiple policies may stack: the rideshare driver’s, the other driver’s, the $1M company policy, and your own UM/UIM coverage.
- Three-year deadline (Miss. Code § 15-1-49); the app’s trip data is key evidence — preserve it early.
Which Insurance Applies?
Rideshare cases turn on the driver’s app status at the moment of the crash. If the app was off, only the driver’s personal auto policy applies. If the app was on and the driver was waiting for a request, Uber and Lyft provide limited contingent liability coverage. Once a ride is accepted or a passenger is in the car, the company’s $1 millón third-party liability policy is in force. Proving which phase applied — using the app’s trip records — is the heart of the claim.
Who Can Recover
We represent injured rideshare passengers, other drivers and their passengers, pedestrians and cyclists, and even rideshare drivers hurt by someone else. Whatever your role, the goal is the same: identify every policy that applies and pursue the maximum recovery for your medical bills, lost income, and pain and suffering.
¿Por qué elegir Fiscales de Lesiones del Sur
Rideshare claims involve big companies and layered insurance. We move quickly to preserve the trip data, sort out the coverage phases, handle the insurers, and build each case for trial — which is what drives fair settlements. You pay nothing unless we win. Headquarters: 5865 Ridgeway Center Pkwy, Suite 390, Memphis, TN 38120 · 800-224-5546. Free consultations by phone. See our Mississippi personal injury overview.
Mississippi Uber & Lyft Accident FAQs
I was a passenger in an Uber that crashed — what coverage applies?
Because a passenger was aboard, Uber’s (or Lyft’s) $1 million third-party liability policy is generally in force, in addition to any coverage from an at-fault other driver. As a passenger you are almost never at fault, so the focus is on which driver caused the crash.
What if the rideshare driver wasn’t carrying a passenger yet?
It depends on the app phase. If the driver was logged in and waiting for a request, limited contingent coverage applies; if the app was off, only the driver’s personal policy applies. The app’s records establish which phase was active.
How long do I have to file in Mississippi?
Generally three years from the crash under Miss. Code § 15-1-49. Because trip data can be lost, it is best to involve a lawyer quickly so the evidence is preserved.
¿Y si yo fuera en parte culpable?
You can still recover. Mississippi uses pure comparative fault (Miss. Code § 11-7-15): your recovery is reduced by your share of fault but not barred.
How much does a Mississippi rideshare accident lawyer cost?
Nothing up front. Southern Injury Attorneys work on a contingency fee — you pay legal fees only if we recover compensation. The consultation is free.
Talk to a Mississippi Uber & Lyft Accident Lawyer — Free
Get a free, no-obligation consultation. Call 800-224-5546 — no fee unless you win. You can also contactarnos en línea.
This page is general legal information, not legal advice. Every case is different and outcomes are never guaranteed. Contacting us does not create an attorney-client relationship.
