The residents of Minot and Ward County benefit significantly from ridesharing. MSU students hop between campus and the downtown strip. People drive in from Bottineau, Rugby, and Williston for appointments and work, and plenty of those trips start or end with an Uber or Lyft. It’s all very convenient until something goes wrong.
When a rideshare crash happens, the insurance picture gets complicated fast. Whether Uber or Lyft covers your injuries depends on what the driver was doing at the exact moment of impact: app off, app on but no ride accepted, or actively transporting a passenger. Each scenario triggers a different layer of coverage. Meanwhile, the company’s legal team is already building their defense.
A Minot rideshare attorney needs to clearly understand these distinctions, because the other side certainly does. At Lowe Law Group, we know how Uber and Lyft structure their coverage, how they dispute claims, and how to counter the arguments they lean on. We get to work immediately, before critical evidence is gone.
When you choose Lowe Law Group, you pay nothing unless we win.
Rideshare accidents are unique because they involve more than just two drivers and two insurance companies. A typical accident has a predictable path forward: In North Dakota, you go through your own insurance first, and then file a claim against the at-fault driver’s insurance if your coverage doesn’t pay for your real expenses and damages.
When you’re involved in a crash with an Uber or Lyft driver, the insurance situation gets more complicated. Now, the situation may include:
The coverage that applies depends almost entirely on one key question: What was the driver doing in the app at the moment of the crash?
Lyft and Uber both provide insurance for their drivers, but there are differing tiers based on what was going on at the time of the crash. For example, the rideshare company pays out a different amount if the driver had turned on the app and accepted a ride vs. just driving in the car they use for their rideshare gigs.
Another factor is how Uber and Lyft classify their drivers as independent contractors, rather than employees. That means that it’s much harder to hold either company responsible for the accident, the way you could if you were struck by a driver for a commercial trucking or delivery company.
Rideshare accidents are also complicated by the possible role of distraction. Drivers for Lyft and Uber are responsible for getting their passengers to their destinations safely, but they also manage the app, monitor their GPS directions, and feel a lot of pressure to accept new rides quickly. Those are unique distractions that may have a direct effect on what causes a crash.
The last thing you want to deal with after a crash is trying to figure out who was responsible and how to get enough compensation to pay for your extensive medical bills and lost income. That’s why your best option is to work with an experienced personal injury lawyer in Minot who understands the complexities of these cases and how to protect your rights after an Uber or Lyft crash.
Rideshare insurance isn’t a single policy that covers everything. It’s a layered system that shifts depending on what the driver was doing at the exact moment of the crash. That distinction matters enormously for your claim.
At this time, the rideshare company has no involvement whatsoever. The driver’s personal auto policy is the only coverage available, and if those limits are low, your options are limited, too. Uber and Lyft often bear no financial responsibility in this scenario.
In Period 1, the driver is available and waiting for a request. At this stage, Uber and Lyft provide contingent liability coverage, but only if the driver’s personal policy doesn’t cover the loss first. The limits are also significantly lower than what applies once a trip is underway. Period 1 claims tend to be harder to resolve because coverage gaps are more common.
This is where full commercial coverage applies. Both Uber and Lyft carry $1 million in liability coverage during active trips, along with uninsured and underinsured motorist protection. Most serious injury claims fall into Periods 2 or 3.
Even so, disputes happen regularly at this stage. Rideshare companies challenge app status records, question whether a trip was truly active, or argue that the driver was operating as an independent contractor rather than a company representative to distance themselves from liability. They move quickly, and they have experienced legal teams doing it.
Our Minot rideshare injury attorneys know these arguments because we’ve seen them repeatedly. We know which records to subpoena, how to challenge app data disputes, and where Uber and Lyft’s defenses tend to fall apart.
North Dakota state law allows for multiple parties to be held liable for a crash if they all contributed to the crash. These rules apply across most car accident cases in Minot , but rideshare claims often involve additional layers of liability. Identifying every liable party is challenging, but worthwhile, as your losses may exceed just one party’s coverage.
There are a few typical liable parties in rideshare collisions.
Of course, the fault may actually lie with a combination of these drivers and entities. You may even bear some responsibility for the crash yourself. If that’s the case, other insurance companies will try to inflate your share of the liability to downplay their client’s own role.
Lowe Law Group can identify who was responsible, no matter how complicated the crash. Protecting your right to compensation involves determining who can be held liable for causing your injuries and losses.
Rideshare accident injuries, like other crash injuries, can range from minor to severe. Less serious injuries may be painful and inconvenient, but more serious ones can be life-changing and permanently disabling.
Sometimes, the adrenaline and chaos at the accident scene can mask your injuries, making it difficult to know how serious they are at the time of the crash. A painful injury can also hide the pain of another injury. That’s why seeking medical attention after a crash is important, even if you think you’re probably okay.
Some of the injuries we see most frequently in Minot rideshare accidents include:
The earlier you can document your injuries, the better. A gap in your medical care can give an insurance company reason to argue that your injuries weren’t all that serious.
At Lowe Law Group, we made the decision to offer something that is truly unique: our own in-house medical doctor.
Dr. Andrew Georgi works full-time for our firm, as our in-house medical director. Dr. Georgi’s role is to evaluate your injuries and medical records to build a complete, accurate picture of how the crash has changed your life. He can explain to our team and the insurance company exactly how the crash has affected your health, your daily life, and your future.
Accident survivors want to know what kind of compensation they can expect, but it’s difficult to answer that question without knowing exactly what you have gone through. In general, rideshare accident survivors with catastrophic, life-changing injuries will see more compensation than those with lesser injuries.
Schedule a free consultation to discuss your case with a Lowe Law Group attorney so that we can answer your specific questions about compensation.
There are generally two types of damages: Economic and Non-economic.
Economic damages are the ones that can be easily calculated with a clear dollar value. Examples include:
Non-economic damages, on the other hand, are damages that change your life but don’t have a specific dollar value. We negotiate on your behalf to find a fair amount that reflects the seriousness of these losses, such as:
Families who have lost a loved one in a rideshare crash may file a wrongful death claim, which may cover funeral expenses, loss of financial support, and loss of companionship.
When you work with a Lyft or Uber accident attorney in Minot, ND, you drastically improve your chances of receiving fair compensation for the ways that this accident has changed your life.
Several state laws will affect your case. Specifically, North Dakota state law governs how fault is assigned, what coverage is required, and how long you have to act. Here’s what you need to understand.
North Dakota follows a modified comparative fault system under N.D. Cent. Code section 32-03.2-02. If you share some responsibility for the crash, you can still recover compensation, as long as your fault is below 50 percent. Whatever percentage of fault is assigned to you reduces your total recovery by that same amount.
Rideshare insurers understand this rule better than most. Arguing that you were partially at fault, even without strong evidence, is one of the first moves they make. Shaving 20 or 30 percent off a claim saves them real money. Our attorneys anticipate this tactic and build cases that make it harder to stick.
North Dakota law requires all drivers to carry Personal Injury Protection coverage. Your own PIP policy may pay for initial medical expenses regardless of who caused the crash, which can provide critical relief while the larger claim is still being worked out. Using PIP doesn’t limit your right to pursue compensation from the at-fault driver, Uber, Lyft, or any other responsible party.
You have six years from the date of your accident to file a personal injury lawsuit in North Dakota. That’s longer than most states allow, but the timeline on usable evidence is much shorter. App data and trip records aren’t preserved indefinitely. Witnesses move on and memories fade. The practical window for building a strong case is far narrower than six years suggests.
When you hire us, we get to work immediately. Rideshare cases move fast on the other side, and we match that pace.
The first priority is evidence. App data, driver logs, trip records, and surveillance footage all have limited preservation windows, and we move quickly to secure what exists before it disappears.
The app status question, specifically what the driver was doing at the moment of impact, is often where these cases turn. We investigate that directly rather than accepting whatever the company reports.
From there, we handle all communication with Uber, Lyft, and their insurance carriers. You won’t be fielding calls from adjusters or answering questions that could be used to undercut your claim later. That’s our job.
Our forensic analysts and accident reconstruction specialists handle the technical side in-house as well. We don’t outsource the critical work.
Lastly, there are no upfront costs. We work on contingency, meaning you pay nothing unless we recover compensation for you.
This is common. Most personal auto policies exclude coverage for accidents that occur while the driver is working for a rideshare company. If the driver’s personal insurer denies the claim, we look to Uber or Lyft’s commercial coverage based on what period of the trip was active at the time of the crash.
Yes. Passengers are generally in the strongest position in a rideshare claim. You have no fault exposure, and Uber and Lyft’s full commercial coverage applies the moment a ride is accepted. We identify all available sources of compensation and pursue each one.
That determination depends on the driver’s app status at the moment of impact. We obtain that data directly and verify it independently. Rideshare companies don’t always characterize app status accurately, and we don’t take their word for it.
Not before speaking with an attorney. Early offers are typically made before your full medical picture is clear, which means they almost never reflect what your case is actually worth. Once you accept, you forfeit the right to pursue additional compensation.
You still have options. If the at-fault driver is uninsured or underinsured, Uber and Lyft’s uninsured motorist coverage may apply during Periods 2 and 3. We examine every available source of compensation, including your own policy, to make sure nothing is left on the table.
If you or a loved one was injured in a crash involving a Minot-area Uber or Lyft driver, Lowe Law Group is ready to help. You don’t have to deal with the legal and financial aftermath of the accident on your own.
Rideshare accident claims move fast, and the sooner you have an attorney working on your case, the better positioned you are to recover what you are owed.
Lowe Law Group represents rideshare accident victims in Minot and beyond. We’re available 24/7, and you pay nothing unless we win.
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.
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After one of the worst things that has happened to my daughter or me, Harmony was able help me work throug…
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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.
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