A night out in the East Village, a ride to Des Moines International, a quick trip across town on I-235 when your car’s in the shop. Requesting an Uber or Lyft takes seconds, and most people never think twice about who’s actually covering them once they’re in the car.
Then a crash happens, and suddenly you’re facing medical bills, missed work, and an insurance company that seems less interested in helping than in figuring out who else can pay.
Rideshare crashes aren’t like typical two-car accidents. Coverage depends on what the driver was doing in the app at the moment of impact, and multiple companies may try to point the finger at each other while your bills pile up.
A Des Moines rideshare accident lawyer at Lowe Law Group can sort through that confusion and fight for what you’re actually owed.
A typical car accident usually means two drivers and two insurance policies. A rideshare crash can mean untangling several policies at once, and figuring out which one actually applies.
Uber and Lyft classify their drivers as independent contractors, not employees. That distinction can complicate efforts to hold the company directly accountable, while the driver’s status in the app at the time of the crash determines which rideshare insurance coverage applies.
Multiple parties can also share responsibility: the rideshare driver, another at-fault driver, or even a third party like a pedestrian or cyclist. Multiple insurance policies may also come into play.
Building a strong case often means digging up ride receipts, app logs, and corporate records that require formal legal requests to obtain. As an Uber accident lawyer in Des Moines, our team knows how to get that evidence before it disappears. A Lyft accident attorney in Des Moines, IA, handles the same complexity, regardless of which platform was involved.
Rideshare insurance isn’t a single policy. It shifts depending on exactly what the driver was doing when the car crash happened, and knowing which stage applies can make or break your claim.
If the driver wasn’t logged into the app, the rideshare company has no insurance obligation at all. Only the driver’s personal auto policy applies, and if that coverage is thin, your recovery options are thin too. Once the driver logs in and starts waiting for a ride request, limited liability coverage from Uber or Lyft becomes available.
Once a driver accepts a ride request or has a passenger in the car, Uber and Lyft’s $1 million liability coverage takes effect, covering passengers, other motorists, cyclists, and pedestrians hurt in a crash the driver caused.
Even so, rideshare companies constantly dispute app status. A rideshare insurance claim lawyer in Iowa knows how to obtain the trip data that proves exactly what was happening when the crash occurred.
Rideshare passengers rarely see a crash coming. Without the chance to brace for impact, even a moderate-speed collision can cause real harm.
The injuries we see most often include:
Even injuries that seem minor at first can lead to months of treatment. As personal injury lawyers in Des Moines, we make sure your medical documentation reflects the full picture, not just what shows up in the first ER visit.
Iowa does not require personal injury protection coverage, so there is no no-fault threshold to meet before pursuing a claim. This makes the driver or company responsible for the crash liable for your damages from the start. It also means uninsured/underinsured motorist coverage plays a critical role in rideshare claims. UM/UIM coverage through your own policy or, when applicable, the rideshare company’s policy may provide another source of compensation.
Iowa follows a modified comparative fault rule under Iowa Code § 668.3. If you are found 51% or more at fault for the crash, you cannot recover damages. Any fault assigned to you below that threshold reduces your award proportionally.
Iowa law gives you two years from the date of the crash to file a personal injury lawsuit under Iowa Code § 614.1(2). Missing this deadline generally bars you from recovering compensation, so early legal guidance matters.
As an experienced Uber and Lyft injury attorney team in Des Moines, we build your case with the same resources large insurers use against you. Rideshare claims move fast, and app data can disappear or get overwritten if it isn’t preserved immediately. Our team acts quickly to secure trip logs, driver status records, and communication history before that evidence is lost.
Dr. Andrew Georgi, our in-house medical director and one of the country’s only full-time practitioners of litigation injury medicine, works directly with our legal team to connect your injuries to the crash with medical precision insurers can’t easily dispute.
Our forensic accident reconstruction team analyzes crash dynamics to establish exactly how the collision happened. And because several of our attorneys are former insurance defense lawyers, we know the tactics rideshare insurers use to minimize payouts, and how to counter them.
When you need a rideshare accident law firm in Des Moines that gets results, our track record speaks for itself. We’ve recovered millions for injured clients and win 99% of our cases, giving you confidence that your claim is in capable hands.
We work on a contingency fee basis, so you pay nothing upfront and owe us nothing unless we win your case. Our 30-day risk-free guarantee means you can change legal representation without penalty if you’re not satisfied. And because crashes don’t happen on a schedule, our Des Moines car accident lawyers are available 24/7 to answer your questions and start building your case the moment you need us.
Get medical attention first, even if your injuries seem minor. Then report the crash to Uber or Lyft through the app, take photos of the scene, and get contact information from the driver and any witnesses. Save your trip receipt and screenshots of the ride details before they disappear from the app. Contacting an attorney early helps preserve evidence that insurers might otherwise dispute later.
Liability depends on who caused the crash. If your rideshare driver caused it, their coverage through Uber or Lyft typically applies. If another driver caused it, that driver’s insurance is primarily responsible, with rideshare coverage potentially available as a backup. Determining the right party to pursue takes a careful review of the facts and coverage periods involved.
Lowe Law Group works on a contingency fee basis, meaning you pay nothing upfront and owe no fees unless we recover compensation for you.
Iowa law generally gives you two years from the date of the crash to file a personal injury lawsuit under Iowa Code § 614.1(2). Waiting too long can jeopardize your ability to recover compensation, so it’s best to speak with an attorney as soon as possible.
Rideshare cases involve layered insurance policies, app data that can vanish quickly, and companies with legal teams built to minimize payouts. Lowe Law Group brings former insurance defense attorneys, an in-house medical director, and a forensic reconstruction team to build a case that holds up. With a 99% win rate, we know how to get results for injured Des Moines rideshare passengers and drivers.
A rideshare crash can leave you dealing with medical bills, lost wages, and confusion over which insurance policy applies to your case. You don’t have to sort through that alone. Lowe Law Group has the experience, resources, and track record to hold the responsible party accountable and pursue the compensation you deserve.
Contact Lowe Law Group today for a free consultation with a Des Moines Uber and Lyft accident attorney.
Your priority now is to heal. Ours is to win your case. Here’s our 3-Step Approach:
Let us listen to your story. We’ll provide a free, no pressure case evaluation.
Our team handles everything: the legal process, gathering paperwork, reviewing your medical treatment, and more.
We win your case and maximize your compensation or we don’t get paid, guaranteed.
I was hit on my MOTORCYCLE by a PODS TRUCK in June, yep, you read that right, PODS TRUCK. I was fortunate to walk away, but knew I needed a lawyer for an accident of this magnitude. Now, let me start by saying I don’t trust lawyers, never have. But had to put my differences aside and trust this GROUP of LAWYERS from a different state…
I was hit on my MOTORCYCLE by a PODS TRUCK in June, yep, you read that right, PODS TRUCK. I was fortunate to walk away, but knew I needed a lawyer for an accident of this magnitude. Now, let me start by saying I don’t trust lawyers, never have. But had to put my differences aside and trust this GROUP of LAWYERS from a different state to handle my affairs. RIGHT AWAY, from the beginning, MARISSA REED, WAS A ROCKSTAR!!! Made me feel at ease and answered all of my ridiculous questions like a VETERAN. Now, this has taken almost 9 months to complete, and it was well worth the wait. Marissa Reed took my settlement to a PLACE WHERE ONLY EAGLES SOAR BABY!! I GOT WAAAAY MORE than expected all thanks to the LOWE LAW GROUP AND FIERY MARISSA REED. Thank you Marissa, for ALL YOU DID FOR ME, AND ALL MY STUPID QUESTIONS. I’m alive, have a HEFTY settlement to spend and am more than thankful for these LAWYERS!! MY ATTITUDE HAS CHANGED FOR THE BETTER ON THEM! HELL YA!!
-Christian W.
Washington
I was hit by a trailer that crossed the median while I was driving on the highway which not only destroyed my car, but I have had to deal with a concussion, neck and back pain along with other PTSD issues. Life happens, some events alter your life, and it can be difficult to adjust. Lowe Law Group is the absolute best. If you want someone who’s gonna be in your c…
I was hit by a trailer that crossed the median while I was driving on the highway which not only destroyed my car, but I have had to deal with a concussion, neck and back pain along with other PTSD issues. Life happens, some events alter your life, and it can be difficult to adjust. Lowe Law Group is the absolute best. If you want someone who’s gonna be in your corner and help you out big time. I HIGHLY recommend them. They made it so much easier, and they don’t care just about money. They want you to be able to get the help you need to recover. Specifically, James Brandenburg has been so helpful and relatable. Where other companies have made me feel just like a number, he has made me feel like a friend.
-Maia. C
Idaho
I have been working with Lowe Law Group since May 2023. I was in a terrible head on collision and have been undergoing coming up on 2 years of medical treatment. I have had 3 case managers throughout the 2 years and have been working closely with Cassi these last few months and she has been amazing. She keeps me updated on whats going on with my…
I have been working with Lowe Law Group since May 2023. I was in a terrible head on collision and have been undergoing coming up on 2 years of medical treatment. I have had 3 case managers throughout the 2 years and have been working closely with Cassi these last few months and she has been amazing. She keeps me updated on whats going on with my case and is doing everything in her power to ensure the best outcome. She has come up with ideas my other two case managers had not that will benefit me in the long run! Its so nice to be able to feel taken care of and having a team backing you.
– Hailey B. Washington
I was in my car waiting at a stoplight when I was rear ended hitting my head, giving me whiplash, and a concussion. It also reaggravated other injuries I was making progress on. Cyra at Lowe Law Group was great jumping right into my case. She was professional and did well in keeping me informed of the process and updating me as needed. There were some challe…
I was in my car waiting at a stoplight when I was rear ended hitting my head, giving me whiplash, and a concussion. It also reaggravated other injuries I was making progress on. Cyra at Lowe Law Group was great jumping right into my case. She was professional and did well in keeping me informed of the process and updating me as needed. There were some challenges in dealing with the culpable party but Lowe Law I believe was able to get me the best settlement possible given all the circumstances and would recommend to anyone who has been involved in an accident.
– Nick W. Colorado
I had a wonderful experience with Lowe law group after my accident. They were great and my case manager Cyra was an absolute ANGEL to work with!! Highly recommend.
I cannot say enough, good things about Heather at Lowe Law Group! From the very beginning, she was a beacon of kind…
I cannot say enough, good things about Heather at Lowe Law Group! From the very beginning, she was a beacon of kindness, compassion, and professionalism. She truly cares about her clients, and her empathy shines through in every interaction. Heather made a potentially overwhelming process feel effortless, guiding me with such care and attention to detail that I always felt completely supported and understood. It’s rare to meet somebody who combines such warmth with incredible expertise, but Heather doesn’t flawlessly. She’s truly a gem, and I am beyond grateful for everything she has done!
Giselle was always kind. I love how she always communicated with me through this whole process. If I didn’t understand…
Giselle was always kind. I love how she always communicated with me through this whole process. If I didn’t understand something , She would explained it in terms that I could. I give Giselle and Lowe Law Group a 5 star rating. I highly recommend this Law Group if you are needing one. Thank you to everyone for your time consuming and hard work.😀
After one of the worst things that has happened to my daughter or me, Harmony was able help me work throug…
After one of the worst things that has happened to my daughter or me, Harmony was able help me work through it in every aspect I needed. From the first day we spoke she worked was so kind, honest and she worked hard for us and went above and beyond. Giving me space when I needed it encouraged me to talk when I needed to. She helped me get medical information, check out the boxes of requirements, find a counselor, and More behind-the-scenes I don’t even know about. I NEVER FELT ALONE, it stopped being my battle and it became her’s.This whole process took maybe five months and at the beginning I guessed this would be over one year. I really appreciate her and because of her work! If I ever meet someone who has an unfortunate accident, I will give them the contact information for Lowe Law Group and song their/ Harmony’s praises! THANK YOU HARMONY!
Being in a car accident and dealing with everything from the car damage to the injuries and everything in between is very…
Being in a car accident and dealing with everything from the car damage to the injuries and everything in between is very stressful. I am so grateful for everyone at Lowe Law for helping me every step of the way. Kaitlyn kept me updated on the progress of the case and answered all the questions I had. Jason and Pete are very knowledgeable and explained each step and helped guide me throughout the process. I would highly recommend them to anyone who has been in a car accident.
Thanks to Ethan for his gentle persuasion and persistent efforts.
…
Thanks to Ethan for his gentle persuasion and persistent efforts. I am very grateful to have the burden shifted to the real professionals. I might even be able to ski this winter as I expect to be recovered from this accident by the time Powder Mountain has enough snow.
Thank You Olga Baranova ( I mention you first and foremost due to the fact you were my case manager, and whom I had prima…
Thank You Olga Baranova ( I mention you first and foremost due to the fact you were my case manager, and whom I had primary contact with.) And to all who worked for me, with me, & on my behalf. For the knowledge, expertise & professionalism applied .. I not only applaud you all .. I thank you all. Wishing Blessings Bountiful To All As well as Good Health, Good Fortune Kind Regards Marc Goulet & Family.
Marissa Reed IS AWESOME!! Took 1+yrs. Difficult client & case she made it look easy. A True Professional. Need more like Marissa!!! THANK YOU SO MUCH!!!!
I answered an advertisement for this law group. I had fired the first attorney. So I retained Lowe Law Group, and Maris…
I answered an advertisement for this law group. I had fired the first attorney. So I retained Lowe Law Group, and Marissa Reed was my contact person. She could not help me but pointed me in the right direction. No charge. Thank you Marissa. I very much recommend this Law Group.
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