Uber and Lyft accidents in Montgomery County create complicated insurance questions: which policy applies, how much coverage is available, and who bears responsibility. The Henry Law Firm has untangled rideshare insurance coverage for Ohio injury victims and fought to recover the maximum available compensation.
Personal Injury Victims Often Don't Know Who to Sue
Is the driver liable? The rideshare company? Both? Can you claim against the other driver's insurer? Answering these questions correctly — and preserving your claims against all parties — requires an experienced Kettering rideshare accident attorney.
Rideshare Insurance Coverage Tiers
Rideshare insurance coverage changes based on the driver's app status at the time of the accident:
- App OFF — only the driver's personal auto insurance applies
- App ON, waiting for ride request — limited liability coverage from Uber/Lyft (typically $50,000/$100,000/$25,000)
- App ON, en route to pick up or during trip — Uber/Lyft provide $1 million in liability coverage plus $1 million in uninsured/underinsured motorist coverage
Who Can File a Rideshare Accident Claim in Kettering?
- Passengers in the rideshare vehicle
- Drivers of other vehicles hit by a rideshare driver
- Pedestrians struck by a rideshare vehicle
- Cyclists hit by a rideshare driver
- Rideshare drivers injured by other negligent drivers
Challenges in Rideshare Accident Cases
Rideshare accident cases are more complex than typical car accident claims because of:
- Multiple insurance policies that may apply (personal, rideshare company, third-party)
- Uber and Lyft classify drivers as independent contractors to avoid liability
- App data disputes — whether the driver was on a trip at the time
- Corporate legal teams working to deny or minimize claims
- Coverage gaps between personal and commercial policies
Ohio law requires rideshare operators to carry insurance meeting the state's minimum requirements. However, Uber and Lyft's corporate policies provide coverage far above Ohio's minimums in the active-ride phase — meaning Kettering rideshare passengers injured in crashes may have access to substantial coverage that the companies won't volunteer information about.
Rapid Preservation of Rideshare Trip Records
The Henry Law Firm sends immediate evidence preservation requests to Uber or Lyft to secure trip data, GPS logs, driver app status at the time of the crash, and driver history — critical evidence that can disappear quickly in Montgomery County rideshare accident cases.
Your Attorney: Eric Henry
Personal injury cases are not won by volume — they're won by preparation, persistence, and experience. Eric Henry brings all three to every case at The Henry Law Firm, with $50M+ recovered to prove it.
Eric and his team proudly serve residents of Kettering and Montgomery County from offices in Chagrin Falls and Cleveland.
What Our Clients Say
"The Henry Law Firm was a very pleasant experience. Mr. Henry was very pleasant and honest. The firm always responded when I had any questions or concerns. I highly recommend." — Tashea R., Google Review
"Our family was extremely impressed by the professional and personal care shown to us during the duration of all legal proceedings and ultimate positive result of our case. Communication throughout was impeccable and appreciated." — Robin K., Google Review
Frequently Asked Questions
Who is liable in a rideshare accident in Kettering?
Liability depends on the driver's status at the time of the accident. If the app was on and a ride was active, Uber/Lyft carry $1 million in liability coverage. If the app was on but waiting for a ride request, lower coverage applies. If the app was off, only the driver's personal insurance applies. An attorney can determine which policies cover your claim.
Does Uber or Lyft insurance cover my injuries?
Both Uber and Lyft carry $1 million in liability coverage for accidents that occur during an active trip. They also carry uninsured/underinsured motorist coverage. However, these companies will fight to minimize payouts or deny claims. An experienced attorney is essential.
What if I was a passenger in a rideshare vehicle that crashed?
As a passenger, you have the strongest claim because you cannot be at fault. You can file against the rideshare driver, the rideshare company's insurance (up to $1 million), and/or the other driver if another vehicle was involved. The Henry Law Firm will pursue all available coverage to maximize your compensation.
Other Practice Areas in Kettering
The Henry Law Firm handles a full range of personal injury cases for Kettering residents. Explore our other practice areas:
Car Accident Lawyer
Truck Accident Lawyer
Motorcycle Accident Lawyer
Medical Malpractice Lawyer
Wrongful Death Lawyer
Nursing Home Abuse Lawyer
Slip and Fall Lawyer
Premises Liability Lawyer
Serving Kettering from Our Ohio Offices
The Henry Law Firm serves Kettering and all of Montgomery County from two convenient locations:
- 8401 Chagrin Road, Suite 18, Chagrin Falls, OH 44023
- 850 Euclid Ave, Suite 1012, Cleveland, OH 44114
We offer free consultations by phone, video, or in person. If your injuries prevent you from traveling, we can come to you anywhere in Montgomery County. Call (216) 302-9500 to schedule.
Uber or Lyft Crash in Kettering? Don't Navigate This Alone.
The Henry Law Firm knows rideshare insurance. Free case review at (216) 302-9500. Serving Kettering and Montgomery County — no fee unless we win.
Content reviewed by Eric Henry, Esq. — Last updated April 2026.
