Which insurance applies depends on the app
Rideshare companies generally carry commercial coverage that applies in stages. When a driver has accepted a ride or a passenger is in the car, the companies typically provide high third-party liability limits — commonly up to $1 million. When the app is on but no ride has been accepted, a lower contingent policy usually applies. When the app is off, the driver's personal policy is normally the only coverage. Exact coverage varies by state and company.
- App off — the driver's personal auto insurance
- App on, waiting for a ride — limited contingent coverage
- Ride accepted or passenger on board — the full commercial policy
Who can make a rideshare accident claim
Passengers who were hurt are usually in the strongest position because they were not driving. Other drivers, pedestrians and cyclists hit by a rideshare vehicle can also claim, and rideshare drivers themselves may have claims against another at-fault driver or under uninsured-motorist coverage.
What to save after an Uber or Lyft accident
- Screenshots of the trip in the app, including the time and route
- The driver's name, plate and insurance information
- Photos of the vehicles, the scene and your injuries
- The police report number
- Any messages from the rideshare company or its insurer
Frequently asked questions
Can I sue Uber or Lyft directly?
Rideshare companies usually classify drivers as independent contractors, so claims typically go through the insurance policies rather than a lawsuit against the company. An attorney can tell you whether your facts point to any direct claim.
I was a passenger — who pays my medical bills?
Often the at-fault driver's insurer or the rideshare company's commercial policy, and in no-fault states your own PIP may pay first. The order depends on your state.
How long do I have to file?
The same state deadlines apply as for other car accidents — usually two to three years, sometimes one. Insurance reporting deadlines can be much shorter.