If you were injured in an Uber or Lyft accident in Louisiana, you may be wondering who is responsible for paying your medical bills, lost wages, and other damages. Rideshare accident claims are often more complex than regular car accident cases because several insurance policies may apply at the same time. A collision on a Louisiana roadway may involve the rideshare driver, another negligent driver, and the insurance coverage maintained by Uber or Lyft.

Under Louisiana Civil Code Article 2315, a person who causes damage to another through fault may be legally responsible for the harm that results. If another driver's negligence caused your injuries, you may have the right to pursue compensation under Louisiana law.

Louisiana Laws Governing Uber and Lyft Insurance Coverage

Louisiana has specific laws that apply to transportation network companies such as Uber and Lyft. Louisiana Revised Statutes § 45:201.6 requires transportation network company drivers or the transportation network company on the driver's behalf to maintain automobile insurance coverage during rideshare activity. The amount of available insurance coverage depends on the rideshare driver's status at the time of the crash.

If the driver was not logged into the rideshare app, the driver's personal automobile insurance usually applies. Louisiana Revised Statutes § 32:861 requires Louisiana motorists to maintain motor vehicle liability security. The minimum coverage amounts are identified in Louisiana Revised Statutes § 32:900(B)(2).

If the Uber or Lyft driver was logged into the app and available to accept ride requests, Louisiana Revised Statutes § 45:201.6 requires insurance coverage of at least:

• $50,000 for death and bodily injury per person;
• $100,000 for death and bodily injury per incident; and
• $25,000 for property damage.

If the rideshare driver had accepted a ride request or was actively transporting a passenger, Louisiana Revised Statutes § 45:201.6 requires at least $1,000,000 in coverage for bodily injury, death, and property damage.

Uber and Lyft both describe similar insurance structures for active rideshare trips.

Personal Insurance Issues in Louisiana Rideshare Claims

Many injured victims assume the rideshare driver's personal insurance policy will automatically cover the accident. However, Louisiana Revised Statutes § 45:201.7 allows personal automobile insurers to exclude coverage when a driver is logged into a transportation network company app or providing rideshare services.

As a result, determining whether the driver was offline, waiting for a ride request, driving to pick up a passenger, or actively transporting a rider can become extremely important in a Louisiana Uber or Lyft accident claim.

Louisiana Revised Statutes § 45:201.8 also requires transportation network companies and insurers to cooperate during claims investigations and provide information about the driver's app status before and during the accident. This evidence may help establish what insurance coverage applies to your case.

Uninsured and Underinsured Motorist Coverage in Louisiana

Some rideshare accidents involve drivers who have no insurance or insufficient insurance coverage. Louisiana Revised Statutes § 22:1295 governs uninsured and underinsured motorist coverage, commonly called UM coverage. Whether UM coverage applies after a Lyft or Uber accident may depend on several factors, including policy language, waiver forms, and the facts surrounding the collision.

Comparative Fault in Louisiana Uber and Lyft Accidents

Louisiana uses a comparative fault system under Louisiana Civil Code Article 2323. This means responsibility for an accident can be shared among multiple parties, including the injured driver. Louisiana's comparative fault rule underwent a drastic change on January 1, 2026.

For accidents occurring before January 1, 2026, Louisiana followed a pure comparative fault system pursuant to which a plaintiff's recovery was reduced by their percentage of fault. For example, if you were 60% at fault and your damages were $100,000.00, you would still be able to recover 40% ($40,000.00).

For accidents occurring on or after January 1, 2026, Louisiana moved to a modified comparative fault system. Under this system, if a plaintiff is 51% or more at fault, they recover nothing. If a plaintiff is 50% or less at fault, a plaintiff's recovery is reduced by their percentage of fault.

Because fault disputes frequently arise after rideshare crashes, it is important to preserve evidence quickly. Police reports, witness statements, app records, medical records, photographs, and video footage may all affect how liability is determined.

Compensation Available After a Louisiana Rideshare Accident

If you were injured in an Uber or Lyft crash in Louisiana, you may be able to pursue compensation for medical expenses, lost wages, future medical treatment, rehabilitation costs, pain and suffering, and other damages recognized under Louisiana law.

Louisiana Civil Code Article 3493.1 generally provides a two-year period for personal injury claims arising from motor vehicle accidents. Because rideshare accident claims often involve multiple insurance companies and complicated liability issues, talking with a Lyft or Uber accident lawyer after a crash may help protect your legal rights.

Talk to a Louisiana Uber and Lyft Accident Lawyer

After a rideshare accident, insurance companies may attempt to minimize your injuries or dispute who caused the collision. You should not have to handle complicated rideshare insurance issues alone while trying to recover from serious injuries.

If you were injured in an Uber or Lyft accident in Louisiana, contact Delsa Law Firm, LLC by calling (985) 882-1222 or contacting us online for a free consultation.