If you’ve been seriously injured in an accident involving a rideshare driver in Louisville, you may be dealing with mounting medical bills that leave you wondering if no-fault insurance coverage will be adequate for them or what to do if personal injury protection (PIP) benefits fall short. That’s where an experienced Louisville rideshare accident lawyer can help. At our personal injury law firm, we guide rideshare accident victims through the insurance claims process—and we’re here for you too.
In this Article
What Is a Rideshare Company Under Kentucky Law?
Kentucky law KRS 281.010(52) defines a Transportation Network Company (TNC) as a business that uses apps or digital platforms—like Uber and Lyft. Rideshare services connect passengers with drivers for prearranged rides.
How Do Rideshare Insurance Policies Work?
Rideshare liability insurance covers drivers and passengers during accidents according to the driver’s status. There are three phases:
Phase 1: The driver is logged into the rideshare app but hasn’t accepted a ride request. Limited liability coverage applies (e.g., $50,000 per person, $100,000 total).
Phase 2: Driver is en route to pick up passengers. Coverage increases to up to $1 million.
Phase 3: Passengers are in the car. The same $1 million coverage applies.
Do I Need a Lawyer in the Kentucky No-Fault System?
If you’ve been seriously injured in an Uber and Lyft accident in Kentucky, seek medical attention. Then, speak with an experienced personal injury attorney with knowledge of no-fault insurance who can help determine if you have a valid rideshare accident claim.
An experienced rideshare accident attorney can handle the entire legal process. They will investigate the accident scene, gather evidence to determine liability, and take your case to trial if necessary.
Types of Compensation for Ridesharing Crash Injuries in Louisville
What Is Kentucky’s No-Fault Law for Motor Vehicle Accidents?
Kentucky’s no-fault law is the Motor Vehicle Reparations Act (KRS 304.39):
It mandates PIP coverage for most vehicles, excluding motorcycles.
PIP provides up to $10,000 for medical expenses, lost wages, and other costs regardless of fault.
It allows the right to pursue a car accident lawsuit against an at-fault driver when injuries meet serious injury thresholds.
What Are Serious Injuries in Kentucky?
In Kentucky, the “serious injury” threshold allows you to step outside the no-fault system and sue an at-fault driver. You meet this threshold if your injuries result in any of the following:
Medical expenses exceeding $1,000
A bone fracture
A permanent injury, causing permanent impairment of a body function
Permanent disfigurement
Any accident resulting in death
If I’m a Rideshare Passenger in an Accident in Kentucky, Whose PIP Covers Me?
In Kentucky, PIP benefits are generally tied to the vehicle you are riding in—not necessarily your own policy first.
Rideshare vehicle’s policy:
Primary source: PIP is typically paid by the insurer of the vehicle you are occupying at the time of the accident.
The Uber or Lyft driver’s insurance, PIP (provided by the driver or the company), is usually the first to pay for a passenger’s claim.
Your own personal auto policy:
Secondary source: if the rideshare vehicle is uninsured, or its PIP coverage is exhausted, you then turn to your own personal auto insurance policy.
Kentucky Assigned Claims Plan: if no other PIP coverage is available (e.g., neither the vehicle nor you have insurance), you can apply for benefits through this plan.
What Financial Compensation Is Available for Seriously Injured Rideshare Accident Victims?
Compensation beyond the victim’s own insurance company’s no-fault benefits includes medical costs exceeding $10,000, future care, lost wages, pain and suffering, and non-economic damages like loss of enjoyment of life.
How Long Do I Have to File a Rideshare Accident Case in Louisville, KY?
Under Kentucky’s Motor Vehicle Reparations Act, accident victims generally have two years to file a personal injury claim for a ridesharing accident resulting in serious injuries. Your personal injury accident attorney in Louisville will ensure you meet the deadline.
Our Louisville Rideshare Accident Attorneys Can Help
If you or someone you care about was injured in a traffic accident involving an Uber or Lyft vehicle, and it was caused by negligence, you may have a valid personal injury case. An Uber or Lyft accident attorney from our law firm can provide legal guidance.
Contact our personal injury law firm today for a free consultation with an experienced Uber or Lyft accident lawyer. We can review your Uber or Lyft accident case and explain your options to recover fair compensation. You pay no attorney fees unless we win your case.
Get help from a Louisville rideshare accident lawyer when you've been injured in an accident that involved an Uber or Lyft rideshare.
$7.5 Million
Recovery for a construction worker injured when a support wall fell and struck him. (Highest award on record for a construction injury in DuPage County at the time).
$3.2 Million
Recovery for a construction worker injured when he fell in an uncovered foundation trench, ranking as the highest award on record for a construction injury in McHenry County at the time.
$3 Million
Recovery for the family of a man struck by a garbage truck that was making an illegal turn.
$2.2 Million
Recovery for a salesman injured in an automobile collision.
$2 Million
Recovery for a man struck by a speeding vehicle as he waited for the CTA bus.
$1.5 Million
Recovery for a truck driver that was struck by another car on the expressway while his vehicle was disabled.
$1.4 Million
Recovery for a computer programmer that slipped and fell in the washroom at work.
Recovery for a pedestrian struck by a vehicle in a parking lot. At the time, this was the second-highest recovery on record in DuPage County for a similar injury.
$800,000
Recovered for a disputed wrongful death claim against a trucking company. The company denied they were involved in the collision.
$660,000
Recovery for a truck driver that was injured while unloading his trailer.
$550,000
Recovery for a person who slipped and fell in a grocery store.
$550,000
Recovery for a woman who injured her neck in a motor vehicle collision.
$500,000
Recovery for a pedestrian that was struck by a vehicle while standing on the sidewalk.
$500,000
$500,000 Policy limit settlement for a 48-year-old woman injured in a Cook County head-on collision after another driver made an unsafe left turn into traffic.
$460,000
Recovery for a truck driver that tripped and fell in the parking lot while making a delivery.
$450,000
Recovery for a dental assistant who slipped and fell at work on an unnatural accumulation of ice.
$425,000
Recovery for a union worker struck by a speeding vehicle.
$425,000
Recovery for a passenger in a vehicle struck by an inexperienced driver.
$415,000
Recovered for a woman that required neck surgery after aggravating an existing neck injury in a truck accident.
$400,000
Recovery for a lab technician injured while transporting equipment.
$370,000
Recovery for a construction worker injured on faulty equipment at a construction site.
$315,000
Recovery for a motorist struck by a falling utility pole.
$310,000
Recovery for a person injured in a motor vehicle collision.
$300,000
Recovery for a bicyclist struck by a vehicle.
$300,000
Recovery for a 16-year-old girl who suffered a skull fracture after her e-bike struck a metal driveway marker placed along the roadway.
$250,000
Recovery for a young woman struck by another vehicle.
$250,000
Recovered for a woman who sustained a partial finger amputation and other injuries in a rollover car accident. (Policy Limits)
$250,000
Recovered for a man injured in a motor vehicle collision.
$250,000
Recovered for a 60-year-old woman involved in a car accident. (Policy Limits)
$250,000
Recovered for a man hit by a semi-truck while operating a go-cart.
$250,000
Recovered for an individual who suffered a severe knee injury after a slip and fall on a wet floor at a Will County retail store.
$240,000
Recovery for the injured party struck by another vehicle.
$235,000
Recovery for a person injured in a motor vehicle collision.
$235,000
Recovery for an inventory clerk injured when shelving toppled onto her.
$219,000
Recovery for a restaurant patron that slipped and fell in the bathroom.
$200,000
Recovered for an airline employee struck on the runway at O’Hare International Airport.
$190,000
Recovery for a person injured in a motor vehicle collision.
$175,000
Recovered for a child injured by fireworks at a fourth of July celebration.
$170,000
Recovered for a person injured when she slipped and fell exiting a major retail store.
$150,000
Recovered for a woman who fractured her leg when she was struck by a vehicle.
Latisha S.
Great service. They helped me get my money, and everyone was very pleasant even though the health insurance took a while. Everything was on point on Kryder’s side.
(312) 223-1700