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Injured in an accident as an Uber or Lyft Driver?

If you were in an accident and your Uber or Lyft app is on, your coverage depends on what period you were in at the time of the accident.

Period 1: Uber or Lyft app is on and the driver is waiting to match with a passenger

This period has the least amount of coverage and only covers the driver if they were at fault for the accident. This is why it is important for drivers to have Rideshare coverage on your own auto insurance policy in case you are in an accident with someone who has insufficient coverage or no coverage at all.

• Bodily Injury Liability Coverage: Uber and Lyft’s liability coverage has bodily injury limits of $50,000 per person up to $100,000 per incident.
• Uninsured/Underinsured motorist: Uber or Lyft does not offer this coverage during Period 1. If you are injured by another driver who was uninsured or underinsured at the time of the accident, you will need to pursue your personal Rideshare uninsured/underinsured motorist policy
• Collision and Comprehensive: No collision or comprehensive during Period 1. Unless you are carrying this coverage on your personal Rideshare policy, you will have to go through the at-fault party’s coverage or you will be responsible for the cost of repairing your vehicle. (Even if you have collision, your insurer may not honor the claim unless you have a Rideshare coverage).

Period 2: The driver is on the way to pick up a matched passenger

• Bodily injury Liability: Uber and Lyft provides up to $1,000,000 in liability coverage.
• Uninsured/Underinsured motorist: Uber and Lyft provides their drivers up to $1,000,000 in uninsured or underinsured motorist coverage if the at fault party is uninsured or underinsured.
• Collision and Comprehensive: Uber and Lyft provides collision coverage to its drivers during this period so long as the driver has collision coverage on their personal auto insurance policy. Note Uber and Lyft may require you to first pay your deductible which is generally $2,500.

Period 3: This period starts when the driver picks up the matched passenger and ends when the driver ends the ride.

• Bodily injury Liability: Uber and Lyft provides up to $1,000,000 in liability coverage.
• Uninsured/Underinsured motorist: Uber or Lyft driver will also have up to $1,000,000 in uninsured or underinsured motorist coverage if the at fault party is insured or underinsured.
• Collision and Comprehensive: Uber and Lyft provides collision coverage to its drivers during this period so long as the driver has collision coverage on their personal auto insurance policy. Note Uber and Lyft may require you to first pay your deductible which is generally $2,500.

Injured in an accident by an Uber or Lyft Driver?

If you were involved in an accident with an Uber or Lyft driver, the coverage provided depends on what period the driver was in at the time of the accident.

Period 1: The app is on and the driver is waiting to match with a passenger

• Bodily injury Liability: The Rideshare company’s insurance will provide up to $50,000 in liability coverage.
• Property Damage: The Rideshare company’s insurance will provide up to $30,000 in property damage coverage.

If you have collision coverage on your own auto policy, then your insurance company can handle your property damage claim. However, you may have to pay your deductible. If the Rideshare company accepts liability for the accident, your deductible may be reimbursed.

Period 2 & 3: App is on and the driver is on the way to pick up a passenger or has a passenger in their vehicle

• Bodily injury Liability: The Rideshare company’s insurance will provide up to $1,000,000 in liability coverage.

Injured in an accident as an Uber or Lyft Passenger?

If you were injured in an accident as an Uber or Lyft passenger, you have up to $1,000,000.00 in coverage for your bodily injury claim. The at-fault party is responsible for your medical bills, lost wages, and compensating you for your pain and suffering.

• Was your driver at-fault for the accident? – If your driver was at fault for the accident, you can pursue your driver’s policy with Uber or Lyft. Their bodily injury liability coverage is $1,000,000.00.
• Other driver at-fault for the accident? – If the other party was at fault for the accident, the you must pursue their policy first. Uber or Lyft will only provide up to $1,000,000 in coverage if that at-fault party is uninsured or underinsured.
• Not sure who is at fault? – It is best open a claim with both party’s insurance company to protect your rights.