Rideshare Accident

A wreck during an Uber or Lyft trip near 24th and Castro, or anywhere else in San Francisco, is governed in large part by Public Utilities Code section 5433, as amended effective January 1, 2026. During an accepted ride, transportation network company insurance must be primary, at one million dollars, covering death, personal injury, and property damage. Uninsured and underinsured coverage of $60,000 for each person and $300,000 for each incident applies beginning when a passenger gets in and ending when that passenger gets out. Different, lower statutory layers apply when a driver is only logged on.

Save the trip receipt and the app timestamps. Which layer applies depends on the app’s status at the time of the wreck. The ordinary two-year deadline in section 335.1 still applies, and a six-month public-entity claim can still be due if a city vehicle is also involved.

The longer walkthrough is the rideshare guide. A work telephone published on an office page is a way to have an office review those periods against your receipt.