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Filing an Injury Claim After a Rideshare Accident in Fresno

Rideshare services like Uber and Lyft have become a popular way to get around Fresno, whether you're commuting across town, heading to the airport, or enjoying a night out in the Tower District. With convenience and accessibility on the rise, the number of rideshare vehicles on Fresno's roads has increased significantly. Unfortunately, so has the risk of serious accidents involving Uber and Lyft drivers.

Rideshare collisions present unique legal challenges. Unlike traditional car accidents, determining liability and insurance coverage in a rideshare case can be complicated. Multiple parties may be involved, including the rideshare driver, the company, and other motorists. The driver's status at the time of the crash—whether they were logged into the app or actively transporting a passenger—can also affect your ability to file a claim and the amount of compensation available.

That’s where Tim Wright Law comes in. We help injury victims throughout the Fresno area navigate the confusing legal and insurance issues that come with rideshare accidents. Our firm understands California’s personal injury laws, the inner workings of Uber and Lyft’s insurance coverage, and how to build strong claims that hold the right parties accountable. Most importantly, we provide compassionate, personalized service from start to finish—so you never feel like just another case number.

Who Can Be Held Liable in a Rideshare Accident?

Rideshare Driver

In most cases, the rideshare driver is the primary party at fault—especially if they were:

  • Distracted (using the app, texting, or looking at GPS),
  • Speeding, running lights, or ignoring traffic laws,
  • Fatigued from long hours on the road,
  • Or under the influence of alcohol or drugs.

Rideshare drivers are required to operate their vehicles with the same duty of care as any other motorist. When they breach that duty and cause harm, they can be held personally liable—though their status with Uber or Lyft at the time of the crash will determine whose insurance pays.

Rideshare Company (Uber or Lyft)

While rideshare companies generally claim their drivers are independent contractors, there are certain scenarios where Uber or Lyft could be held directly responsible, including:

  • Failure to properly vet drivers (e.g., ignoring criminal background red flags),
  • App malfunctions that cause distraction or confusion during driving,
  • Or inadequate safety protocols that contribute to collisions.

These claims can be more difficult to pursue, but when evidence points to corporate negligence, Tim Wright Law won’t hesitate to go after the rideshare platform itself.

Another Driver

If a third-party driver caused the crash—or contributed to it—they may be held fully or partially liable. This often happens in multi-vehicle collisions, where fault is shared among multiple drivers. In these cases, we pursue compensation from all negligent parties to maximize your recovery.

Third-Party Contractors or Vehicle Owners

In some situations, liability may extend to additional third parties, such as:

  • A vehicle owner who negligently entrusted their car to the rideshare driver,
  • Maintenance companies responsible for faulty repairs,
  • Or cargo or delivery services whose commercial vehicles were involved in the crash.

These complex cases require detailed investigation and legal skill—both of which Tim Wright Law brings to every rideshare claim we handle.

Understanding Rideshare Insurance Coverage

Uber and Lyft’s Insurance Policies: When They Apply and How Much They Cover

Both Uber and Lyft provide up to $1 million in third-party liability coverage in certain situations. However, that full coverage doesn’t apply all the time. The rideshare companies divide coverage into specific “periods,” which determine what protection is available.

Period 1, 2, and 3 of Rideshare Driving Explained

Understanding the three periods of rideshare activity is essential to identifying which policy will apply:

  • Period 1 – The driver has the app open but has not yet accepted a ride request.
    • Coverage: Limited liability only (e.g., $50,000 per person / $100,000 per accident for bodily injury, and $25,000 for property damage).
    • This is typically secondary coverage, and only kicks in if the driver’s personal insurance denies the claim.
  • Period 2 – The driver has accepted a ride and is on the way to pick up the passenger.
    • Coverage: Up to $1 million in liability insurance.
    • This also may include contingent collision and comprehensive coverage, depending on the driver’s policy.
  • Period 3 – The passenger is in the vehicle and the ride is in progress.
    • Coverage: Also up to $1 million, including uninsured/underinsured motorist (UM/UIM) coverage in some cases.
    • Ends when the passenger exits the vehicle and the trip is marked complete in the app.

These distinctions are often critical—and heavily contested by insurance companies looking to avoid liability. Tim Wright Law investigates app usage logs, ride status, and phone records to determine exactly which period was active and what coverage should apply.

Differences Between Driver’s Personal Insurance and Rideshare Coverage

Most personal auto insurance policies exclude coverage for commercial activities, including rideshare driving. This means if the rideshare driver was “on the clock” during the crash, their personal insurance may deny the claim outright.

That’s why rideshare coverage exists—but accessing it often requires legal advocacy. Uber or Lyft may argue that the driver was not active on the app, while the personal insurer claims the crash occurred during commercial use. Without a skilled attorney, injured victims can get caught in the middle and end up with no compensation at all.

At Tim Wright Law, we cut through the red tape, push back against these tactics, and ensure the appropriate coverage is activated to cover your injuries, lost wages, and damages.

Types of Compensation You May Be Entitled To

Medical Expenses (Current and Future)

Medical bills after a crash can add up quickly, especially if you've suffered serious injuries. Compensation may cover:

  • Emergency room visits and hospital stays
  • Surgery, medications, and follow-up care
  • Physical therapy and rehabilitation
  • Future medical treatment, such as long-term care or repeat procedures

We work with medical experts to calculate not only your current costs but projected future expenses, so you’re not left covering long-term healthcare out of pocket.

Lost Income and Reduced Earning Capacity

If your injuries prevent you from working temporarily—or permanently—you may be able to recover:

  • Wages lost during recovery
  • Missed freelance or contract work
  • Lost business opportunities (for self-employed individuals)
  • Future loss of income if you’re unable to return to your previous job

Tim Wright Law documents all economic losses with pay stubs, tax records, and expert analysis to ensure you're fully compensated for your inability to earn.

Pain and Suffering

Pain and suffering damages reflect the physical discomfort and life disruptions caused by the accident. These may include:

  • Ongoing pain or limited mobility
  • Difficulty performing daily tasks
  • Loss of independence or hobbies
  • Permanent disfigurement or disability

These “non-economic” damages are often the most substantial part of a claim, and we work hard to ensure they’re properly valued.

Emotional Trauma and Psychological Care

Many rideshare accident victims suffer from mental and emotional injuries long after their physical wounds have healed. Compensation may be available for:

  • Anxiety, depression, or PTSD
  • Sleep disturbances or flashbacks
  • The cost of counseling or therapy
  • Emotional distress related to disfigurement or disability

At Tim Wright Law, we take your emotional well-being seriously and make sure it’s considered in any settlement or court award.

Property Damage (If Applicable)

If your personal property was damaged during the accident—such as your vehicle (if you were a driver), phone, laptop, or other belongings—you may be entitled to repair or replacement costs. We help clients document and include these losses in their claims.

Schedule Your Free Consultation

If you’ve been injured in a rideshare accident in Fresno or the Central Valley, don’t face the legal process alone. Whether you were a passenger, pedestrian, or another driver, you deserve experienced legal help to hold negligent parties accountable and recover the compensation you need to heal.

At Tim Wright Law, we understand the complexities of Uber and Lyft accident claims—from insurance confusion to proving liability. We’re committed to providing personalized, effective legal representation and standing by your side every step of the way.

We offer free consultations, and you pay nothing unless we win your case.

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I am very satisfied and thankful with Attorney Tim Wright and his whole team for taking care and handling my fathers personal injuries case. Thank you all very much your staff is amazing, very helpful.
Abraham Ortega
The Law Offices of Tim D. Wright were awesome. They were professional, they kept an open communication with me through out the process.  Big shout out to Sergio and Mercedes for being very helpful with my settlement.
Frank Medina

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