Rideshare apps like Uber and Lyft have changed the way we get around. Whether you’re headed to work, an event or just out for the evening, hopping into someone else’s car is now as simple as tapping your phone.
But accidents can still happen, sometimes when you least expect it. If you’re hurt while riding in an Uber or Lyft, it’s important to know what steps to take and how insurance works in these situations.
Understanding rideshare insurance coverage
Uber and Lyft both provide insurance coverage for their drivers, but it depends on the driver’s status in the app. When the app is off, only the driver’s personal auto insurance applies. If the driver is online but hasn’t accepted a ride, the companies offer limited liability coverage. Once a ride is accepted or a passenger is in the vehicle, Uber and Lyft provide up to $1 million in liability coverage, along with some coverage for injuries and vehicle damage, if the driver already carries that type of coverage on their personal policy.
Knowing this timeline is key, especially if you’re a passenger or if you were hit by a rideshare driver. These details determine which insurance company is responsible for paying your medical bills, lost wages, and other damages.
After a rideshare accident, try to stay calm and gather as much information as you can. This includes:
- The names of all parties involved
- Contact info for witnesses
- Photos of the scene
- Screenshot showing the trip details in the app
Report the accident to Uber or Lyft through their customer support and seek medical attention right away—even if you feel okay at first. Injuries can appear or worsen later.
Getting compensated can be complicated when multiple insurance policies are involved. The rideshare company, the driver’s insurer and possibly other drivers’ insurance carriers may all be part of the process. It’s common for insurers to dispute who should pay, especially if fault is unclear or injuries are serious.
If you’ve been injured in a car accident involving a rideshare accident, consider speaking with someone who can help you understand your options and take steps to protect your rights and recovery.