Three Insurance Companies. Three Drivers. Zero Accountability — Until You Call Us.
Rideshare accidents are an insurance shell game. Uber blames the driver. The driver blames Uber. Three insurance companies say it’s not their problem. We’ve cracked the code on who actually pays — and we make them.
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The Problem
An insurance maze designed to confuse you.
External Problem
You were in an accident involving an Uber or Lyft in Atlanta — passenger, struck by a rideshare driver, or the rideshare driver yourself. Now you’re hurt, the bills are piling up, and multiple insurers are giving you the runaround.
Internal Problem
You’re confused. Who’s responsible? Which policy applies? Uber says talk to the driver’s insurance. The driver’s insurance says Uber should cover it. The rules keep changing and nobody gives you a straight answer.
Philosophical Problem
Rideshare companies built a $100-billion industry on the backs of drivers and passengers. When their business model injures someone, they should pay — not hide behind contractor classifications and layered policies designed to minimize payouts.
The Villain
The rideshare insurance shell game — and how it works against you.
Uber and Lyft coverage depends on what the driver was doing at the exact moment of the crash. That creates a three-tier shell game — and a fight over which tier applies.
Driver’s personal insurance applies. Uber/Lyft provide nothing. Most personal auto policies exclude rideshare driving — the driver may have no coverage at all.
Uber/Lyft provide limited coverage — roughly $50K per person, $100K per accident bodily injury, $25K property damage. Barely enough for a serious injury.
Uber/Lyft carry up to $1M in liability coverage per accident. This is where the real money is — and where the insurers fight hardest to deny.
Meet Your Guide
Gunn Law Group — we know the rideshare playbook.
Empathy
Rideshare accidents are uniquely frustrating. You didn’t even choose the driver — an algorithm did. You shouldn’t have to become an insurance expert to get compensated for injuries you didn’t cause.
Authority
We handle rideshare accident cases across Metro Atlanta and Georgia.
We know the Uber and Lyft tier structure inside and out.
We obtain the driver’s app-status data — proving which tier applied at impact.
We pursue every available policy: rideshare, driver’s personal, and your UM/UIM.
The Plan
Three steps to cut through the insurance shell game.
Step 01
Call 888-BIG-GUNN. We identify which insurance tier applies, who’s liable, and what your case is worth — in plain language.
Step 02
We subpoena Uber/Lyft records: app status at the moment of crash, driver rating, trip history, and background check. This data drives recovery.
Georgia Rideshare Law
The statutes that put rideshare coverage on the table.
Georgia law requires rideshare companies to maintain insurance that varies by the driver’s status at the time of the accident — and we know how to enforce it.
Uber and Lyft classify drivers as independent contractors, but Georgia courts have held rideshare companies liable under multiple theories when injuries occur during active rides.
Your own uninsured/underinsured motorist policy may provide recovery on top of the rideshare company’s coverage. We verify every available source.
Failure Stakes
What happens if you wait.
Without legal representation, you’re up against 3+ insurance companies trained to deny and deflect.
Driver app-status evidence can be deleted or ‘unavailable’ if not preserved fast.
Your own insurer may deny your UM/UIM claim without serious pushback.
Georgia’s 2-year statute of limitations applies (O.C.G.A. § 9-3-33).
Rideshare companies have billion-dollar legal teams; you need an attorney who knows their playbook.
Success Vision
What we fight for.
Every applicable insurance policy pays its fair share.
Medical bills, lost wages, and pain and suffering fully compensated.
The insurance shell game fails — because your attorney knows the rules.
You never have to negotiate with three insurance companies yourself.
The corporation that profited from your ride pays for the damage it caused.
Hurt in an Uber or Lyft accident in Atlanta? Three insurance companies hope you give up. Don’t.
Call 888-BIG-GUNN. Free consultation. No fee unless we win.
FAQ
Georgia Uber & Lyft Accident Questions
Because the driver was on an active trip, Uber’s $1 million liability policy applies. We pursue that policy, the at-fault driver’s policy (if a third-party driver caused the crash), and your own UM/UIM coverage where applicable.
It depends on the driver’s app status at the moment of impact. Tier 3 (en route or on trip) opens up the $1M rideshare policy. Tier 2 has limited coverage. Tier 1 forces us to chase the driver’s personal policy. We subpoena the app data to prove which tier applied.
Yes — depending on your tier and who hit you. Uber/Lyft provide contingent coverage in some tiers, and you can pursue the at-fault driver’s policy. We also evaluate your own UM/UIM coverage.
It’s the standard deflection. Whether it’s accurate depends on the tier and the facts. We don’t take the rideshare company’s word for it — we get the data and force the right policy to pay.
Generally 2 years from the accident date under O.C.G.A. § 9-3-33. Move quickly — app data and surveillance video disappear long before the statute runs.
That classification doesn’t shield Uber or Lyft from the insurance they’re required to maintain, and Georgia courts have held rideshare companies liable under several legal theories. We pursue every available avenue.
