Rideshare Accidents in Washington: Who’s Liable—Driver, Company, or You?
Rideshare services like Uber and Lyft are convenient, but when an accident happens, things can get complicated fast. You may find yourself asking, “Who’s responsible—my driver, the rideshare company, or me?”
In Washington State, liability depends on who was driving, what they were doing at the time, and whether the rideshare app was active. That’s where many people get stuck. Knowing your rights and what steps to take can make all the difference after a rideshare accident.
When the Rideshare Driver Is at Fault
If your rideshare driver caused the crash, their personal auto insurance may not be enough to cover the damages. Luckily, Washington law requires rideshare companies to carry commercial insurance. When the app is on and a ride is accepted, Uber and Lyft provide up to $1 million in liability coverage.
That coverage kicks in as soon as the ride is in progress—even if the passenger hasn’t been picked up yet. If you’re injured during that window, you’re covered by the company’s insurance, not just the driver’s.
What If Another Driver Hits You?
If a third party—like another car on the road—is at fault, that driver’s insurance is typically responsible. But again, Uber and Lyft have uninsured and underinsured motorist coverage for their riders and drivers. This means you may still be able to recover damages if the at-fault driver lacks proper coverage.
The issue often lies in proving fault. That’s where evidence from dash cams, police reports, and eyewitness accounts can make or break your claim.
What Happens If the App Was Off?
If the rideshare driver wasn’t logged into the app, they’re not considered “on the job.” In that case, their personal insurance is the only coverage available. You’d handle the accident the same way you would with any private driver.
That’s why it’s important to confirm whether the app was active. Rideshare companies aren’t liable unless their system shows the driver was online.
Multiple Parties, Multiple Insurers
Sometimes more than one person shares the blame. Maybe the rideshare driver was distracted, and another vehicle ran a red light. In these cases, multiple insurance companies might be involved.
Washington follows a comparative fault system. That means each party pays based on their percentage of fault. If you’re found 10% responsible, your total recovery is reduced by that amount.
What You Should Do Immediately After an Accident
- Call 911. Make sure injuries are treated and a report is filed.
- Take photos of the vehicles, road conditions, and any visible injuries.
- Get contact information from all parties, including witnesses.
- Request a copy of the police report.
- Document your rideshare app activity, including ride details and driver info.
Don’t assume the rideshare company will handle it all. Their priority is limiting their own liability.
Common Injuries in Rideshare Crashes
- Whiplash and soft tissue injuries
- Broken bones
- Head trauma or concussions
- Spinal cord injuries
- Emotional distress
Even a low-speed collision can lead to long-term pain and expenses. Keep all medical records and track how your life has been affected.
Why These Cases Are Legally Complex
Rideshare liability isn’t simple. You’re dealing with a mix of corporate insurance, personal insurance, app usage logs, and state law. And if you’re a pedestrian or cyclist injured by a rideshare driver, the situation adds another layer of complexity.
You need to understand your rights clearly—before signing anything or accepting a payout.
