Like any other car accident, liability depends on who is at fault for the accident. If the other vehicle driver is at fault for the accident, they will be held liable. You can seek compensation for your injuries from the at-fault driver's insurance company through third-party insurance. If your ride-share driver causes the accident, they will be held liable. You can make an insurance claim against their personal auto insurance policy to cover your injuries if they have commercial car insurance or a clause that says their car insurance covers rideshare accidents. However, these situations are unlikely, and the case will typically move up to the company level. Major rideshare companies like Uber have third-party liability insurance. If the driver's insurance, under no circumstance, can cover the damages from the accident, then Uber has up to $1 million available to compensate you for your injuries.