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.
Tell us what happened.
No fees unless we win. We respond within 1 hour.
An insurance maze designed to confuse you.
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.
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.
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 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.
Tier 1 — App Off
Driver's personal insurance applies. Uber/Lyft provide nothing. Most personal auto policies exclude rideshare driving — the driver may have no coverage at all.
Tier 2 — App On, Waiting
Uber/Lyft provide limited coverage — roughly $50K per person, $100K per accident bodily injury, $25K property damage. Barely enough for a serious injury.
Tier 3 — En Route or On Trip
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.
The Tier Dispute
Insurers hire investigators to prove the driver was in Tier 1 or 2 — where coverage is minimal — even when the evidence clearly shows Tier 3.
Gunn Law Group — we know the rideshare playbook.
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.
- 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.
Three steps to cut through the insurance shell game.
Free Consultation
Call 888-BIG-GUNN. We identify which insurance tier applies, who's liable, and what your case is worth — in plain language.
Obtain the App Data
We subpoena Uber/Lyft records: app status at the moment of crash, driver rating, trip history, and background check. This data drives recovery.
Stack Every Policy
Rideshare $1M policy, driver's personal policy, your own UM/UIM coverage, and any other applicable coverage. We don't leave money on the table.
The statutes that put rideshare coverage on the table.
Georgia Ride Share Network Transportation Act
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.
Independent Contractor Liability
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.
UM/UIM Coverage
Your own uninsured/underinsured motorist policy may provide recovery on top of the rideshare company's coverage. We verify every available source.
2-Year Statute of Limitations (O.C.G.A. § 9-3-33)
Georgia generally gives you 2 years from the accident date to file a personal injury claim. Waiting puts evidence and your right to file at risk.
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.
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.
Georgia Uber & Lyft Accident Questions
The corporation that profited from your ride should pay for the damage it caused.
Free case evaluation· No fees unless we win· Statewide Georgia representation
Disclaimer: The information on this page is for general informational purposes only and does not constitute legal advice. Every case is different and past results do not guarantee future outcomes. Results may vary depending on the specific facts and circumstances of your case. Gunn Law Group handles cases on a contingency fee basis — you pay no attorney fees unless we recover compensation for you. Contact us for a free consultation to discuss your specific situation. This page is a communication from Gunn Law Group, 950 E. Paces Ferry Rd NE, Suite 1550, Atlanta, GA 30326. Responsible attorney: Harrell Gunn.