Insurance Coverage for Uber and Lyft Accident Victims

Uber and Lyft maintain different levels of coverage depending on the driver’s status at the time of the accident.

When the app is on, only the driver’s personal insurance would apply if they were involved in an accident. Likewise, when the driver is available but hasn’t accepted a ride, there’s limited coverage in that aspect as well.

When the driver has accepted the ride or is transporting passengers at the time of the accident, coverage increases significantly in these types of cases. This commercial-level coverage may also include medical payments that would cover a passenger if they were injured in an accident involving Uber or Lyft.