Rideshare accidents in O’Fallon, Missouri, raise complicated questions about insurance, fault, and accountability. When you’re injured in an Uber accident, you’re not just dealing with a typical car crash—you’re up against corporate insurers, multiple drivers, and a system that doesn’t always make things easy.
These wrecks can lead to serious injuries, long recoveries, and financial stress that no one sees coming.
At Beck & Beck Missouri Car Accident Lawyers, our experienced O’Fallon Uber accident lawyers represent individuals just like you who have been injured in accidents involving rideshare. Whether you were a passenger, a driver, or a pedestrian hit by an Uber vehicle, our attorneys know how to navigate the claims process and make sure your voice is heard.
Â
Injured in an Uber or Lyft accident in O’Fallon, MO? With 35+ years experience, our skilled Uber accident attorneys in O’Fallon will fight to get you maximum compensation. Call (636) 238-5934 now for a free initial consultation!
How Our Uber Accident Lawyers in O’Fallon Can Help You With Your Claim
Getting injured in a rideshare accident can put your life on hold. Between medical visits, missed work, and dealing with insurance adjusters, it’s not always clear what steps to take next. That’s where Beck & Beck Missouri Car Accident Lawyers come in. This is how our team helps people across Missouri get the support they need after being hurt in an Uber crash:
Making Sure the Insurance Company Doesn’t Push You Around
Insurance companies often move quickly to settle claims—but their goal is to protect themselves. We step in early to handle these conversations and make sure your side is taken seriously. That includes reviewing your coverage, pushing back if the offer is too low, and making sure you’re not pressured into signing anything before you’re ready.
Looking Closely at the Details That Matter
Every case is different. We take the time to gather and review the information that can make a difference: where the crash happened, who was involved, what phase of the ride it was in, and whether the app was active. These details affect how insurance applies and what compensation you may be owed.
Helping You Through the Process, Step by Step
There’s more paperwork than most people expect after a rideshare accident. We help you stay on track—filing forms, keeping up with time limits, and making sure nothing slips through the cracks. You won’t be left wondering what comes next.
Bringing in the Right Experts When It Helps
If your case needs extra support, we have access to professionals who can help. That might include medical providers who can explain how your injuries will affect you long term or other specialists who can offer useful insight for your claim.
Here to Take the Pressure Off
After an accident, your focus should be on your recovery—not legal forms or insurance calls. Our top rated O’Fallon Uber accident lawyers take care of the details so you can concentrate on healing. If you were hurt in a Lyft or Uber accident in O’Fallon, we’re ready to stand by you and help you move forward.
Types of Rideshare Accident Claims
Not every Uber or Lyft accident looks the same. Depending on what happened and who was involved, the legal process can take different paths. At Beck & Beck Missouri Car Accident Lawyers, we handle a wide range of rideshare-related claims.
Here are some of the most common types of claims we handle:
- Accidents caused by a rideshare driver:
If you were hit by an Uber or Lyft driver, whether you were driving, walking, or biking, you may have a claim against the driver or the company’s insurance. - Injuries as a rideshare passenger:
If you were riding in an Uber or Lyft and got hurt in a crash, you could be covered under their insurance policy, depending on the situation. - Pedestrian or cyclist injuries:
Rideshare drivers sometimes fail to yield or pay attention, putting people on foot or bikes at risk. If that happened to you, we can help you file a claim. - Incidents involving commercial vehicles or shuttle vans:
Some rideshare services use larger vehicles for group trips. Accidents involving these vehicles can be complex, especially when companies or third parties are involved. - Wrongful death cases:
If a loved one passed away due to a rideshare-related accident, we’re here to help you explore your legal options.
No matter the type of rideshare claim, we’re here to guide you through it.
Â
Looking for an Uber accident lawyer near me in O’Fallon, MO? We are available 24/7 to help, call (636) 238-5934 now!
Â
What Makes Uber and Lyft Accident Claims Different
Uber and Lyft accidents aren’t handled the same way as a regular car crash. If you’re a passenger in a rideshare, you’re not the one driving. You weren’t in control of the car, and you had no way to avoid the accident. That alone shifts the legal picture quite a bit.
When you get into a rideshare, you’re trusting someone else to drive safely. You’re also paying for that service. That means the company and the driver have a responsibility to keep you safe while you’re in the vehicle. If they fail to do that, they can be held accountable.
Another difference is how insurance works. Uber and Lyft carry their own policies that apply in certain situations, depending on what stage of the ride the driver was in. Whether the app was on, a passenger was picked up, or the ride had already started—all of that affects which insurance applies and how much coverage is available. It’s more complicated than a standard two-car crash.
Also, fault is rarely on the rideshare passenger. In most cases, you’re not responsible for anything that led to the collision. That makes these cases different from accidents where both drivers might share blame.
But just because you weren’t driving doesn’t mean getting fair compensation is easy. Rideshare companies and their insurers sometimes try to delay, deflect, or deny valid claims. That’s why it’s important to have someone on your side who knows how these cases work.
At Beck & Beck Missouri Car Accident Lawyers, our O’Fallon car accident lawyers know what makes these claims different—and how to handle them from the start.
Can I Sue Uber After an Accident?
Uber doesn’t make it easy to sue them directly after an accident. That’s because their drivers aren’t employees. They’re classified as independent contractors. Uber positions itself as a middleman—connecting people who need rides with drivers who use the app. Because of that setup, they often try to avoid direct responsibility for what happens on the road.
Still, just because the driver isn’t an employee doesn’t mean you’re out of options. Uber carries its own liability insurance, which can apply if the driver was logged into the app and actively giving someone a ride. Depending on the situation, that coverage may help pay for injuries and other losses after a crash.
In some cases, it’s still possible to bring a claim against Uber itself. That often comes down to proving that the driver was on the clock and doing the job when the crash happened. If they were transporting a passenger and were clearly at fault—like speeding, running a red light, or driving under the influence—Uber’s coverage may come into play, and the company may share liability.
It’s also possible to hold both the driver and Uber responsible, depending on what happened and where the accident took place. State laws play a role too, and every case needs a close look at the facts.
The best way to find out what your rights are is to talk with a lawyer who knows how these cases work. Our experienced O’Fallon Uber accident attorneys will review the situation and explain your options. If Uber or the driver is at fault, we’ll work to hold them accountable.
Insurance Coverage in Accidents Involving Rideshare
One of the more complicated parts of any rideshare accident is figuring out which insurance policy applies. Uber and Lyft both carry large insurance policies, but the coverage depends on what the driver was doing at the time of the crash. That’s why these cases take a closer look at the timeline.
If You Were a Passenger in the Rideshare
When you’re riding in an Uber or Lyft and an accident happens, you’re usually covered under the company’s commercial insurance. That includes up to $1 million in liability coverage.
It applies whether the rideshare driver caused the crash or someone else did. If the injuries are serious and the costs go beyond that limit, there may be other ways to seek compensation—from a second driver, a property owner, or even a vehicle manufacturer.
If You Were the Rideshare Driver
Coverage for drivers depends on whether the app was active. If you were driving a passenger, Uber or Lyft’s full policy typically applies. If you were waiting for a ride or heading to pick someone up, there may be a lower-limit policy or a different kind of coverage—like uninsured motorist protection or your own auto policy.
If You Were Hit by a Rideshare Vehicle
When you’re not in the rideshare but are injured by one—either as a driver, pedestrian, or cyclist—what coverage applies depends on whether the rideshare driver was logged into the app. If they weren’t using it, their personal policy might apply instead.
Rideshare insurance coverage isn’t simple. It changes depending on what the driver was doing and who else was involved. We help you sort through the layers and figure out where your claim stands.
Time Limit to File an Uber or Lyft Claim in Missouri
If you’ve been hurt in a rideshare accident, it’s important to know there’s a deadline for taking legal action. In Missouri, you generally have five years from the date of the accident to file a personal injury claim. That timeline applies whether you were a passenger in an Uber or Lyft, a driver in another vehicle, or someone who was hit while walking or biking. This deadline is set by Missouri Revised Statutes Section 516.120.
That five-year window may sound like plenty of time, but waiting too long can hurt your case. Over time, evidence disappears, memories fade, and insurance companies become harder to deal with. If you’re considering filing a claim, it’s a good idea to get legal advice early on—before key information is lost.
There’s one important exception to keep in mind. If a rideshare crash leads to someone’s death, the rules are different. Missouri law gives surviving family members three years to file a wrongful death claim. That clock starts on the day their loved one passes, not the day of the accident.
Rideshare cases can take time to investigate, especially when more than one party may be at fault. Whether you’re dealing with medical bills, missed work, or long-term injuries, you don’t want to miss your chance to file.
If you’re not sure how much time you have left—or what kind of claim you need to file—we can help you sort it out. We look at the full picture and make sure you’re on the right track before any deadlines pass.
Schedule a Free Case Evaluation With Our Missouri Rideshare Lawyers Today
If you’ve been involved in an accident with an Uber or Lyft driver in O’Fallon, MO, it’s a good idea to talk with a lawyer who understands how these cases work. At Beck & Beck Missouri Car Accident Lawyers, we handle rideshare accident claims across Missouri and know how to deal with the unique issues they bring. Whether you were a passenger, another driver, or someone hit while walking or biking, we can help you figure out what comes next.
Even if you’re not sure you need legal help, it doesn’t hurt to ask. We offer free consultations to go over your situation and explain your options. Contact us today to speak with a Missouri rideshare accident attorney and get answers to your questions—before important deadlines pass.
Additional locations we serve include St. Louis, Florissant, Kansas City, MO, Independence, Cape Girardeau, and more.
