Rideshare services like Uber and Lyft have transformed transportation, but they've also created complex legal questions when accidents occur. Understanding the insurance structure is key to obtaining compensation.
Uber and Lyft Insurance Coverage
Coverage depends on the driver's status at the time of the accident:
App Off Only the driver's personal insurance applies.
App On, Waiting for Ride Request - $50,000 bodily injury per person - $100,000 bodily injury per accident - $25,000 property damage
En Route to Pickup or During Trip - $1,000,000 liability coverage - $1,000,000 uninsured/underinsured motorist coverage - Contingent collision and comprehensive
Who You Can Claim Against
Depending on circumstances, you may have claims against:
- The rideshare driver
- Another driver who caused the accident
- Uber or Lyft's insurance
- Your own insurance (UM/UIM coverage)
Common Challenges
Determining Driver Status Rideshare companies may dispute whether the driver was "on the app" at the time of the accident.
Coverage Gaps Transitioning between different coverage levels can create confusion.
Multiple Insurance Companies Multiple insurers may point fingers at each other, delaying your claim.
As a Passenger, Driver, or Third Party
Your status affects your claim:
- **Passengers** typically have the clearest path to compensation
- **Third-party drivers/pedestrians** may deal with multiple insurers
- **Rideshare drivers** have limited options against their employer
Get Experienced Help
Rideshare accident cases require attorneys familiar with these complex insurance structures. Don't accept a quick settlement before understanding your full rights.