Uber/Lyft Accident Settlement Calculator
Ride-share accident settlements depend on driver status (app on/off, passenger present). $1M policy when passenger in car or accepted ride.
| Medical specials (current + future) | — |
| Lost wages (current + future) | — |
| Pain and suffering (multiplier × specials) | — |
| Gross damages | — |
| Comparative negligence reduction | — |
| Settlement after fault | — |
| Attorney fee | — |
| Plaintiff net recovery | — |
Uber/Lyft insurance coverage depends on driver app status: app off (personal insurance only), app on but no ride (lower limits), passenger in car or en route (full $1M liability + UM/UIM). Knowing the moment of crash determines coverage tier.
Components of Damages
Economic damages: medical bills (current + future), lost wages (current + future earning capacity), property damage, out-of-pocket expenses. Non-economic damages: pain and suffering, emotional distress, loss of consortium, disfigurement. Punitive damages rare and capped in most states.
Pain & Suffering Multiplier
Typical multipliers: minor injuries 1.5-2× specials, moderate 2-3×, severe/permanent 3-5×, catastrophic 5-10×. For uber/lyft accident settlement, typical range is 2-5× medical specials. Multiplier increases with permanence, visible scarring, life disruption.
Comparative Negligence
Pure comparative (CA, NY, FL, AK, AZ, KY, LA, MS, MO, NM, RI, SD, WA): recover reduced by your % fault. Modified comparative 50% bar (most states): no recovery if 50%+ at fault. 4 states still pure contributory: zero recovery if 1%+ at fault (AL, MD, NC, VA, DC).
Attorney Fees & Costs
Personal injury attorneys typically work on contingency: 33% of settlement (pre-litigation) to 40% (post-filing), 45% (trial). Plus case costs (depositions, experts, court fees) deducted from gross. Net to client = gross − attorney fee − case costs − liens.
Last updated May 2026. Sources: NHTSA Ride-share, Uber Insurance Policy.