# San Jose Uber and Lyft Accidents: Insurance and Legal Help Canonical: https://sanjosecacaraccidentlawyer.com/uber-lyft-rideshare/ Reviewed by Andrew Ronald Gillin; reviewed 2026-11-05. After an Uber or Lyft crash, the ride status, your role, and the policy terms can affect which coverage applies. ## Why ride status matters after an Uber or Lyft crash California’s rideshare law separates liability insurance from uninsured and underinsured motorist coverage. SB 371 addresses passenger UM/UIM coverage. That is different from coverage for harm caused by a rideshare driver. A reference to a million-dollar policy does not mean every person has a million dollars available. Sources: [SB 371, chaptered 2025](https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB371); [Insurance Code section 11580.2](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=11580.2.) ## Liability coverage versus uninsured motorist coverage Keep the trip receipt and any safe screenshots that show the trip time, vehicle, and driver. Identify whether you were a passenger, a driver, or in another vehicle. Bring every relevant policy and letter to a review. Other insurance may need analysis; it should not simply be added to the rideshare limit. Sources: [SB 371, chaptered 2025](https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB371); [Insurance Code section 11580.2](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=11580.2.) ## Records to save from a rideshare trip For a useful review, keep the following information together. You do not need to enter it on this website. - The sequence of the crash and what you personally saw. - Report, witness, photo, and lawful video information. - Policies, coverage letters, and any release or offer you received. Sources: [SB 371, chaptered 2025](https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB371) ## Court decisions about san jose uber and lyft accidents: insurance and legal help ### Waller v. Truck Ins. Exchange, Inc. (1995) 11 Cal.4th 1, pp. 18–19. The court read the policy to decide if a loss might be covered. What the contract says matters. Limits: This was a business policy. It does not show what your own car policy pays. [Read the opinion](https://law.justia.com/cases/california/supreme-court/4th/11/1.html) ## Related resources - [California Uber and Lyft Insurance: Ride Status and Coverage](https://sanjosecacaraccidentlawyer.com/california-law/rideshare-insurance/) - [California Crash Insurance Coverage Explainer](https://sanjosecacaraccidentlawyer.com/tools/coverage-explainer/) - [California Crash Medical Bills: Insurance, Liens, and Damages](https://sanjosecacaraccidentlawyer.com/california-law/medical-bills/) - [Contact GJEL About a San Jose Car Accident](https://sanjosecacaraccidentlawyer.com/contact/) ## Legal and agency sources - [SB 371, chaptered 2025](https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB371) - [Insurance Code section 11580.2](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=11580.2.) - [Waller v. Truck Ins. Exchange, Inc. (1995) 11 Cal.4th 1](https://law.justia.com/cases/california/supreme-court/4th/11/1.html) General information, not legal advice. Examples are hypothetical.