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Whose insurance covers Uber, Lyft, and other rideshare accidents?


Uber, Lyft, and other app-based rideshare companies continue to rise in popularity.

Many passengers cite cost, convenience, and flexibility as reasons they prefer ridesharing to traditional taxi use.

One thing most passengers do not think about – until it becomes necessary – is the issue of liability in the event of an accident. What happens when a driver gets in an accident when passengers are in the car? Whose insurance covers the accident? Here's the protocol, in a nutshell:

  • Uber and Lyft drivers are required to have their own auto insurance. This insurance applies when they are driving without the app on.
  • Different insurance coverages apply depending on what stage of a passenger pick-up the driver is in. The driver is covered by a lower amount of liability insurance when the app is on but there is no passenger in the car.
  • When a driver is en route to picking up a passenger, and when a passenger is in the vehicle, a higher amount of insurance applies.

Insurance coverage may vary depending on what driver was at fault and many other factors. It is important to thoroughly investigate every accident case and explore all insurance coverage options.

If you have been injured in an Uber, Lyft or other rideshare company accident, you may wish to speak to a personal injury attorney about your legal options. While you may be offered a quick settlement by the insurance company, it is important to ensure that your financial needs are adequately met.

Learn more by scheduling a free consultation with an attorney from Winer, Burritt & Tillis LLP. Call us at 800-652-6137.

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