Arizona Rideshare Accident FAQs
Whose insurance pays after an Uber or Lyft crash depends on what the app was doing at the moment of impact. Here is how that works in Arizona.
Whose insurance covers an Uber or Lyft crash?
It depends on the driver's status. App off, their personal policy applies. App on and waiting for a request, a smaller contingent policy applies. On the way to a rider or carrying one, the company's larger commercial coverage applies. Read more →
I was a passenger. Am I covered?
Almost always. A passenger is rarely at fault, and during a ride the company's commercial coverage is in play — which is the largest coverage in the sequence. Read more →
I drive for Uber and was hit by someone else.
You may have a claim against that driver, and your rideshare coverage may fill the gap if they were uninsured or underinsured. Your personal auto policy may exclude the loss while the app was on, which is why the coverage sequence matters. Read more →
How long do I have to file in Arizona?
Generally two years from the crash. Read more →
Uber says the driver is an independent contractor.
That affects how a claim is framed but not whether coverage exists — the insurance requirements attach to the driver's status on the app, which is the practical question. Read more →
What if I was partly at fault?
You can still recover, reduced by your share. Arizona uses pure comparative negligence. Read more →
Are rideshare damages capped?
No. Arizona's constitution bars caps on injury and death damages. Read more →
What does a rideshare accident lawyer cost?
Nothing up front — contingency fee, free confidential review. Read more →
Still have questions about your crash?
A quick, confidential review can answer them — about two minutes, no cost, no obligation.