Troy facts that matter in a Uber and Lyft accident case
- Troy is home to the Somerset Collection mall, which has a skywalk and more than 180 stores. Source
- The Troy Transit Center is served by Amtrak's Wolverine train and municipal buses, and Walsh College is in Troy. Source
Coverage follows the app
Michigan’s Limousine, Taxicab, and Transportation Network Company Act sets the insurance a rideshare driver must carry (MCL 257.2123). The highest limit, $1,000,000, applies from the moment the driver accepts a ride request until the last rider gets out.
Who pays your PIP
A rideshare passenger claims first from their own auto policy or a household relative’s. Only if none covers you does the rideshare vehicle’s insurer pay. Expect a dispute between insurers, so apply to every possible insurer in writing within one year.
Suing for pain and suffering
If your injuries meet the threshold, you can sue the at-fault driver. When that driver was logged on to the app, the coverage the act requires stands behind the claim.
Troy courts, police and hospitals
| Crash reports | Troy Police Department |
|---|---|
| District court | 52nd District Court – Division 4 (520 W. Big Beaver Rd., Troy) (serves Cities of Troy and Clawson) |
| Circuit court | 6th Circuit Court (Oakland County), 1200 N. Telegraph Rd., Pontiac |
| Trauma centers | Corewell Health Beaumont Troy Hospital (Level II, in Troy); Corewell Health William Beaumont University Hospital (Level I (adult), nearest Level I; in Royal Oak) |
| Major roads | I-75, Big Beaver Road, Long Lake Road |
| From our office | About 15 minutes by car (approximate) |
What to do now
- Get medical care.
- Screenshot the trip in the app: driver, car, time and route.
- Get the crash report number.
- Report the crash to your own insurer and to Uber or Lyft through the app.
- Call us before signing anything from the rideshare company’s insurer.
One year. Give your no-fault insurer written notice within one year of the crash. Use the deadline calculator to see every date for your case.
Other Troy crash cases we handle
Sources: Michigan courts directory, Michigan Traffic Crash Facts (2024), the DIFS Level I and II trauma center list, the Michigan Compiled Laws and local agency websites, checked October 2026.
Questions people ask us
Who pays if I’m hurt in an Uber in Troy?
Your own auto policy, or a household relative’s, pays no-fault benefits first. If none applies, the rideshare vehicle’s coverage pays. A claim for pain and suffering goes against the at-fault driver’s coverage.
Does it matter if the driver had a passenger?
Yes. The insurance Michigan requires is highest from the time the driver accepts a ride until the last rider gets out, and lower when the driver is logged on but waiting for a request.
Where would a Troy case be filed?
Claims of $25,000 or less usually go to the 52nd District Court – Division 4. Larger claims and most injury lawsuits go to circuit court, the 6th Circuit Court for Oakland County. Venue can also depend on where a defendant lives or does business.