Montgomery County Rideshare Accident Attorney

If you or a loved one was injured in a collision involving Uber or Lyft, securing compensation requires navigating complex corporate insurance policies and multi-party liability. A dedicated Montgomery County rideshare accident attorney at Anthony C. Gagliano, III, Esquire, P.C. will hold negligent drivers and transportation network companies accountable. Whether you were a passenger, another motorist, or a pedestrian, an experienced Uber and Lyft accident lawyer PA can fight for your full financial recovery.

Call 267-861-7100 today for a free case evaluation with an actual attorney. You pay zero fees unless we recover compensation for you.

There were 110,765 car accidents in Pennsylvania in 2024, relatively consistent with the 110,382 reported statewide in 2023.

Montgomery County saw similar consistency in its overall crash statistics, with 7,730 accidents reported in 2024, up slightly from 7,674 in 2023. But Montgomery County was among the ten Pennsylvania counties with the most reported traffic crashes and traffic-related fatalities in both 2023 and 2024.

How many of these accidents involve rideshare services? That is unknown. It is not a number that can be found on state or county statistics reports. Unlike a taxi service, a rideshare car is often not marked or numbered, so it would be hard to track if there were a spot for it on the state statistics reports.

A tricky part of seeking compensation for injuries from an accident on a rideshare trip is that drivers for companies such as Uber and Lyft are independent contractors using their own vehicles. Injuries stemming from rideshare accident involve navigating how insurance coverage differs from traditional Uber and Lyft accident cases, much like situations in slip and fall claims where liability can be unclear.

Your Uber Driver Is Required to Have Insurance

The good news is that in the cases of either Uber or Lyft drivers, Pennsylvania law requires them to have insurance for all their drivers to operate in the state.

Those injured in a Lyft or Uber accident should consult an experienced attorney right away. Victims need an expert’s legal opinion and the knowledge of how to seek adequate compensation for a case that would be complicated in any state, but even more so with Pennsylvania’s current laws.

What It Means to be On the Clock

There are a couple of wrinkles between Pennsylvania’s law requiring rideshare companies to carry insurance when customers are using their service in the state and the ways that rideshare companies have around covering the cost of accidents for which their drivers may be involved.

These are a few things to keep in mind for those involved in a rideshare accident in Montgomery County:

On the clock. If the driver is using the rideshare application and accepted the customer on the app, this would mean that driver is officially on the clock for work. In this case, those who are injured in an accident would turn to the insurance from the rideshare company. This simplifies the legal process. But it brings up a natural question about the driver needing to be on the phone app while driving, and how that naturally would create problems for the driver’s attention being focused on the road.

Understanding Rideshare Insurance Coverage in Pennsylvania (Act 164 / 53 Pa. C.S. § 57A07)

Under Pennsylvania law (53 Pa. C.S. § 57A07), Transportation Network Companies (TNCs) like Uber and Lyft are mandated to maintain specific levels of financial responsibility depending on the driver’s app status at the exact moment of collision:

• Period 0 (App Off): The driver’s personal automobile policy applies ($15,000/$30,000/$5,000 PA statutory minimums). Rideshare corporate policies do not provide coverage.
• Period 1 (App On, Waiting for Request): Rideshare primary liability coverage kicks in at $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage, plus required first-party medical benefits.
• Period 2 & 3 (Ride Accepted or Passenger Onboard): From the moment a ride request is accepted through passenger drop-off, Pennsylvania requires primary liability coverage of at least $500,000 for bodily injury, death, and property damage, alongside higher first-party medical benefit requirements.

Requirement for insurance. Uber and Lyft drivers are required to have car insurance, and they must inform the insurance company that they are a ridesharing driver. The insurance rates for an Uber/Lyft driver will be higher because of the increased risk. If it is a situation in which the injured parties must file an accident claim with the driver’s own insurance, when a rideshare driver has the application off and is not officially on the clock, minimum limits in Pennsylvania for injury are $15,000 per person and $30,000 per accident, and the minimum property damage liability coverage is $5,000. The private insurance limits might be the only coverage available when the application is off for the rideshare service.

If the rideshare driver has no insurance, it is illegal for him or her to be driving and it also is against the company rules, and the contingent policy does not apply for the rideshare companies. In this case, injured parties could be looking to get compensation from their own medical coverage under their own policy. The other option is to go after the driver in court for personal injury, but this might not pan out, particularly if the driver has no money.

Rideshare Insurance Coverage Periods in Pennsylvania

The insurance coverage available after an Uber, Lyft, or other rideshare accident can depend on what the driver was doing at the time of the crash.

• Period 0: The Rideshare App Is Off – When the driver is not logged into the rideshare app, the driver’s personal automobile insurance generally applies. The rideshare-specific insurance requirements do not apply during this period.
• Period 1: The App Is On, but No Ride Has Been Accepted – When the driver is logged in and available to accept passengers but has not yet accepted a ride, Pennsylvania requires primary liability coverage of at least $50,000 per person for bodily injury or death, $100,000 per accident for bodily injury or death, and $25,000 for property damage. Pennsylvania also requires certain first-party medical benefits during this period.
• Period 2: A Ride Has Been Accepted and the Driver Is En Route – Once the driver accepts a ride request and is traveling to pick up the passenger, the driver is considered engaged in a prearranged ride. Pennsylvania requires at least $500,000 in primary automobile liability coverage for death, bodily injury, and property damage.
• Period 3: The Passenger Is in the Vehicle – The same heightened coverage continues while the passenger is being transported. Pennsylvania requires at least $500,000 in primary liability coverage, along with required first-party medical benefits. The prearranged ride continues until the trip is completed.

Pennsylvania’s Choice Tort System & Rideshare Claims

Pennsylvania is a ‘choice tort’ system under the Motor Vehicle Financial Responsibility Law (75 Pa. C.S. Ch. 17). Drivers elect either Full Tort or Limited Tort coverage on their personal auto insurance:

• Rideshare Passenger Exemption: If you were an injured passenger in an Uber or Lyft, specific statutory exceptions and contract terms may grant full tort recovery rights, allowing you to pursue pain and suffering without limited tort restrictions.
• First-Party Medical Benefits (PIP): Regardless of who caused the crash, medical expenses are initially paid by your own auto policy’s medical benefits (minimum $5,000 required under 75 Pa. C.S. § 1711).
• Limited Tort vs. Full Tort: If you selected Limited Tort, you generally cannot recover non-economic damages (pain and suffering) unless your injuries meet the statutory threshold of ‘serious impairment of body function’ or an exception applies.

In a typical two-car crash, the drivers will collect the insurance information of the other party and place a claim with the other driver’s insurance company. But with no-fault coverage, drivers first file a claim with their own insurance. If one driver has a fault policy and the driver responsible has a no-fault policy that provides an amount insufficient to cover injuries, the driver not at fault will likely collect under their own uninsured/underinsured motorist coverage.

For those who selected no-fault insurance, the advantages are that the driver is covered regardless of who caused the accident and that payouts for medical bills are quick, as insurance companies and police departments are not investigating the cause and which party was more at fault.

What Does No-Fault Insurance Cover in Pennsylvania?

With no‑fault insurance options, including personal injury protection (PIP) coverage, Pennsylvania differs from states without such systems, similar to how wrongful death cases arise. Initial medical bills are covered by the auto insurance company, up to the limits of the driver’s coverage. Pennsylvania insurance law requires that drivers have at least $5,000 in medical coverage.

If the injuries from the motor vehicle accident are severe, disabling, or result in a death, the no-fault rules no longer apply, and the injured party can file an accident claim against the other driver.

Of course, with accidents, the medical bills are a big part of the expenses, but there are other losses to consider, such as loss of work or having a reduced work schedule while recuperating. Wage loss coverage may be included in a driver’s own auto policy. Under Pennsylvania law, if a driver has this coverage, they would be able to apply for and recover lost wages caused by the accident up to the limits of their coverage. The first five days are the standard deductible in Pennsylvania, so those will not be part of the lost wage payments.

What if the Rideshare Driver is Uninsured?

For injuries in a situation in which the rideshare service driver does not have insurance, victims may need to turn to uninsured motorist coverage on their own policies. This is often referred to as UM on insurance documents. It is not mandatory for insurance to offer it, so auto insurance holders should check with their insurance company whether or they have that coverage and review policy documents.

Pennsylvania’s Modified Comparative Negligence Law

If a driver selected the no-fault insurance option, he or she must wait for the results of police and insurance company investigations to get compensation for any property that was involved in the accident because Pennsylvania has modified comparative negligence laws. Therefore, although an injured party may get the money needed for medical care straightaway, he or she may well be waiting to pay back a mechanic or body shop for the damaged vehicle.

Pennsylvania is one of 33 states with laws that determine what percentage of damage claims are paid out to each driver based on how much of a role in the accident each driver had. In some states, this is referred to as contributory negligence instead of comparative.

What does this mean? If the driver is found to be less than 50 percent at fault for the accident, he or she can collect damages, minus the percentage that they are found to be at fault. This would mean a person who is found to be 25 percent at fault can get 75 percent of the damages sought back from the other driver.

Drivers found to be more than 51 percent at fault cannot collect damages from the other driver’s insurance company.

If the other driver is found to be 100 percent at fault for the accident, that driver’s insurance carrier will pay for the losses suffered by the victim.

If a car accident claim makes it to court, the comparative negligence rule guides the court and insurance claim adjusters.

Pennsylvania Statute of Limitations

Although there is much to keep in mind for those involved in a car accident in Pennsylvania, it is best to act quickly. There is a two-year statute of limitations for filing a lawsuit involving a car crash (42 Pa.C.S. § 5524(2)).

The complexities of Pennsylvania accident laws underscore the need for an experienced rideshare accident lawyer. Victims and their families have enough to worry about in recuperating and often, in wrongful death cases, in mourning as well. For the victims, it is best to let a talented advocate such as Anthony C. Gagliano III, P.C. do the fighting for you.

Reasons for Rideshare Car Accidents

In the years following the COVID-19 pandemic, the number of accidents and traffic fatalities in Montgomery County and Pennsylvania has rebounded as drivers, particularly workers on their daily commutes, return to the road. In 2024, there were approximately 100.1 billion vehicle-miles of travel on Pennsylvania’s roads and highways, many of those miles traveled by daily commuters. According to the United States Census Bureau, the average one-way commute time is 26.1 minutes, with most workers driving alone.

For those who work five days a week full-time, that commute time amounts to nine days a year behind the wheel, and that is just time spent getting to and from work.

Whether traveling for work or for pleasure, driver error accounts for the overwhelming percentage of daily accidents and fatalities. Although the Pennsylvania Department of Transportation (PennDOT) estimates that more than 90 percent of all accidents are caused by human error, some driving behaviors make an accident far more likely. Some of those are:

• Distracted Driving
• Drunk/Impaired Drivers
• Speeding
• Aggressive Driving
• Vehicle Failures
• Hitting a Fixed Object

Visit our Car Accidents page for more information on car crashes and recent crash statistics.

Questions We Get Asked All the Time & Answers from a Real Montgomery County Rideshare Accident Lawyer

How hard is it to sue Uber?

Rideshare accident claims can be more complicated than typical car accident cases because responsibility may involve the Uber driver, another motorist, and insurance provided through the rideshare platform. In Philadelphia, Pennsylvania law requires transportation network companies and drivers to maintain specific insurance coverage while the driver is using the app.

Can you sue Uber if an Uber driver gets in an accident?

You can potentially sue Uber if you get into an accident. If you are injured in an accident involving an Uber driver, you may have a claim against the driver, available rideshare insurance coverage, another negligent driver, or other responsible parties. Whether Uber itself can be held directly liable depends on the circumstances of the accident and the legal relationship between the parties.

What should you not say to an injury lawyer?

You can say anything to an injury lawyer as long as they are your injury lawyer. Do not hide or change important facts about the accident, your injuries, prior medical conditions, or communications with insurance companies. Your lawyer needs accurate information, including facts that may seem unfavorable, to properly evaluate your case and prepare for issues the insurance company may raise. Your lawyer is on your side – you should consider them a confidante and always feel like you can speak freely.

Can you sue if an 18-wheeler hits you?

Yes, if a truck driver, trucking company, or another party caused an 18-wheeler accident through negligence, an injured person may be able to seek compensation for medical expenses, lost income, pain and suffering, and other damages. Pennsylvania generally gives injured people two years to file a personal injury lawsuit, according to 42 Pa.C.S. § 5524(2). This would also apply to accidents that happen while in a ridesharing vehicle with a truck in Philadelphia.

Our Montgomery County Rideshare Accident Lawyers Help Victims Recover

If you or a loved one is involved in a rideshare crash, consult with the accident lawyers at Anthony C. Gagliano III, P.C. With over 15 years of experience in personal injury law, Anthony C. Gagliano III was raised in Norristown and opened his own practice in Montgomery County, serving clients who have been injured in all types of accidents. Mr. Gagliano’s mission is to seek justice and compensation for victims and their families. Call us at 267-861-7100 or contact us online to set up a free consultation. Located in Montgomery County, we serve clients in Lansdale, King of Prussia, and Norristown.