Rideshare (Uber/Lyft)
A subtype of Motor Vehicle Accidents
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About Rideshare (Uber/Lyft)
Uber and Lyft accident claims are more complex than ordinary car crashes. As a rideshare passenger, you are generally covered by the platform's commercial insurance of up to $1 million. However, the specific coverage depends on the driver's status at the time of the accident — waiting for a ride request, en route to pick up a passenger, or during an active trip. Different statuses correspond to different insurance coverages. It is advisable to file claims with multiple insurers to maximize compensation.
Frequently asked questions
I was hurt in an Uber/Lyft — whose insurance pays?
During a trip (from ride acceptance through drop-off), the platform provides up to $1 million in third-party liability coverage. As a passenger you're almost always covered — whether the rideshare driver or the other driver was at fault.
A working Uber/Lyft driver hit me — what applies?
It depends on the driver's app status: on a trip or en route to pick up = the platform's $1M liability coverage; app on and waiting = the platform's contingent coverage ($50k/$100k/$30k); app off = only the driver's personal auto policy. Pinning down the app status is step one.
Can rideshare drivers themselves recover after a crash?
Yes — against the at-fault driver, and platforms typically provide contingent collision coverage during trips (with a deductible). As independent contractors, drivers usually lack workers' comp, so the other driver's liability coverage and your own UM/UIM are the main sources.
Should I report the crash in the app?
Yes — the platforms have in-app accident reporting that creates a record; also call 911, get medical care, and take photos. The trip log plus the police report are the key evidence for the app status and which insurance tier applies.
General information, not legal advice.
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