Both ridesharing companies offer up to $1 million in uninsured and underinsured motorist insurance coverage for passengers. This means that Uber and Lyft provide up to $1 million in coverage for your damages, regardless of who was at fault for the accident. If you are injured in an accident while traveling in an Uber or Lyft anywhere in Los Angeles or California, the most important first step is to seek medical attention as soon as possible. Our specialized accident lawyers will negotiate with insurance companies for Uber or Lyft and the other vehicle(s) involved to get you full compensation for your injuries.

If you are NOT an Uber or Lyft driver and are involved in a rideshare accident if with you are able, it is best to obtain both the Uber or Lyft driver’s personal insurance information as well as his or her rideshare information. The responsible party for accident-related damages depends on the period or phase of the ride the ridesharing driver is in. You can read more about the individual periods in the next scenario below. As Uber or Lyft may not cover all situations, we want to ensure full compensation for your damages, and may need to file a claim with the Uber or Lyft driver’s personal insurance. If you are unable to get the information, that’s OK! Our lawyers will gather the information and handle the claim on your behalf.

As a ridesharing driver, either your personal insurance company or your insurance with Uber or Lyft will cover the accident, depending on what phase or period of the ride you are in. To put it plainly, the more people who could potentially be injured in the accident, the greater the liability for the ridesharing company. Below is a detailed breakdown of the distinct periods and what is covered in each:

You are not logged in to the ridesharing application, or the application is off. During this phase, you are considered “off the job”, and any accident-related claims must be covered by your personal automobile insurance.

You are logged in/online and awaiting a request for a fare. Because this is an in-between period where you are waiting to accept a ride, the liability for Uber or Lyft is lower than in the next two periods. While there is no insurance coverage for the driver (uninsured, underinsured, or medical payments) or collision insurance for the driver’s vehicle, Uber and Lyft do both provide 50/100/25 liability coverage. This means they provide up to $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage. If you are an Uber or Lyft driver, we encourage all drivers to purchase a rideshare policy or rider for their personal auto insurance.

You have accepted a fare and are on the way to the passenger’s location. During this period, both Uber and Lyft offer $1 million in liability, uninsured, and underinsured coverage. Collision coverage is contingent upon the driver’s coverage on his or her personal insurance policy.

You have picked up the passenger, and the trip has begun. Like period 2, Uber and Lyft again offer $1 million in liability, uninsured, and underinsured coverage, and collision coverage will be contingent upon the driver’s coverage on his or her personal insurance policy.