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What Kind of Insurance Do Uber and Lyft Carry?

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Close up photo of a phone's home screen with the Uber and Lyft apps in focus.

How Much Coverage Do Companies Give?

Uber and Lyft have become increasingly popular transportation options over the past few years. But what type of insurance coverage do these ridesharing services provide? And what happens if you're in an accident with a ridesharing driver?

In this blog, we'll review Uber and Lyft's insurance coverages and discuss how to pursue a claim in an accident with a ridesharing driver. So whether you're new to using Uber or Lyft or have been using them regularly, this blog is designed to help you understand your rights and be prepared should something happen while riding with one of these services.

Insurance Coverage for Uber and Lyft

Uber and Lyft both offer insurance coverage to protect riders in the event of an accident. Uber provides liability coverage for its drivers, with limits of up to $1 million per incident in the U.S. and Canada. This coverage is applicable when the driver is logged into the app and is either en route to pick up a passenger or has a passenger in the car. Lyft also offers liability coverage with limits of up to $1 million per incident in the U.S., uninsured/underinsured motorist coverage, and no-fault medical benefits.

It is important to note that Uber and Lyft's insurance policies only cover passengers in an accident while riding with one of their respective drivers. If you are not physically in the vehicle at the time of the accident, you will not be covered by either policy. Additionally, if your Uber or Lyft driver is at fault for the accident, they may be personally responsible for any damages incurred – so it is always a good idea to check your driver's own personal insurance coverage before getting in the car.

Pursuing a Claim with Uber or Lyft

If you are involved in an accident while riding with Uber or Lyft, protecting your rights and pursuing a claim for damages is vital. To begin the claims process, you should contact the ridesharing service immediately. The company can provide you with their driver's insurance information and access to the support team, who can assist in filing a claim.

You should also take pictures of any damage and exchange contact and insurance information with all parties involved in the accident. Additionally, seeking medical attention immediately after the accident is crucial, even if your injuries seem minor. This will ensure the ridesharing company's insurance covers any medical bills you incur.

Work With North Carolina Ridesharing Accident Attorneys

You should consider consulting with a personal injury attorney who can advise you on your rights and help ensure your claim is handled correctly. The team at Lanier Law Group, P.A. is here to help you get the total compensation you deserve for your ridesharing accident injuries.

Learn more about how we can help or schedule a consultation by calling (855) 757-4204 or visiting our website.