UBER & LYFT ACCIDENTS - THE DIFFERENCES BETWEEN COVERAGE FOR PASSENGERS AND DRIVERS
Updated: Sep 1
Auto accidents involving rideshare companies like Uber and Lyft have become increasingly common in recent years. These accidents can result in serious injuries and property damage, leaving passengers and drivers wondering about their rights and the insurance coverage available to them.
Coverage for Passengers
Uber's Insurance Coverage for Passengers
Uber provides liability coverage for passengers involved in accidents caused by their drivers.
This coverage includes up to $1 million in liability coverage for bodily injury and property damage.
Uber's coverage is in effect from the moment the passenger enters the vehicle until they are dropped off at their destination.
Lyft's Insurance Coverage for Passengers
Lyft also provides liability coverage for passengers involved in accidents caused by their drivers.
Like Uber, Lyft's coverage includes up to $1 million in liability coverage for bodily injury and property damage.
Lyft's coverage is in effect from the moment the passenger enters the vehicle until they are dropped off at their destination.
Coverage for Drivers
Uber's Insurance Coverage for Drivers
Uber provides different levels of coverage for their drivers, depending on the stage of the trip.
When the driver is offline or the app is off, their personal auto insurance is in effect.
When the driver is online but hasn't accepted a ride, Uber provides contingent liability coverage.
When the driver has accepted a ride or is transporting a passenger, Uber provides primary liability coverage, as well as coverage for uninsured or underinsured motorists.
Lyft's Insurance Coverage for Drivers
Lyft also provides different levels of coverage for their drivers, depending on the stage of the trip.
When the driver is offline or the app is off, their personal auto insurance is in effect.
When the driver is online but hasn't accepted a ride, Lyft provides contingent liability coverage.
When the driver has accepted a ride or is transporting a passenger, Lyft provides primary liability coverage, as well as coverage for uninsured or underinsured motorists.
Both Uber and Lyft provide insurance coverage for passengers and drivers involved in auto accidents. Passengers are covered by the rideshare company's liability insurance, while drivers have different levels of coverage depending on the stage of the trip. It is important for both passengers and drivers to understand their rights and the insurance coverage available to them in the event of an accident.