Uber and Lyft have changed the way we travel. Rideshares, however, are still just cars on the road, susceptible to auto accidents. After an accident in an Uber or Lyft happens, the question of liability arises. If you have been injured in an Uber or Lyft, whether as a passenger or driver, you probably want to know who is responsible for your injuries.
Passengers are covered by an insurance policy, regardless of who is at fault for the accident. Both Lyft and Uber provide liability coverage to its drivers with a minimum coverage limit of $1,000,000 per accident. If a passenger is injured in an Uber and it was the Uber driver’s fault, the passenger can pursue an insurance claim for medical bills and pain and suffering. If it was not the Uber driver’s fault, the company provides underinsured/uninsured motorist coverage at the same $1,000,000 per accident level. Bystanders, called third parties, are also covered. If a bicyclist, pedestrian, or another driver is injured in a crash, they too are covered by Uber’s insurance policy.
For drivers, the insurance rules are a bit more complicated. Lyft summarizes their coverage for drivers in a helpful graphic. If a Lyft driver is not using the app, the driver is covered by his or her own personal insurance policy. If the driver has the Lyft app open and is waiting for a passenger, they are covered by reduced-level liability only insurance of up to $100,000 per accident. If the driver is picking up a passenger or has a passenger in the vehicle, they are covered by the $1,000,000 liability insurance, uninsured/underinsured motorist coverage, and contingent collision and contingent comprehensive coverage. Uber insurance has a similar structure to Lyft, with similar coverage limits.
Even with the Uber and Lyft insurance coverage explained it can be confusing. If you have been injured in an accident involving a Lyft or Uber, car accident attorneys can help make sense of the situation. The Law Offices of Scott Warmuth provides expert legal guidance to the victims of car accidents and can help you recover from your injuries physically and financially. For a free consultation, call 888-517-9888 today.