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Do Uber & Lyft Provide Insurance Coverage for Passengers?

Understanding Injury Liability When It Comes to Ridesharing

Ridesharing provides people with more transportation options than ever before and is a great advantage in situations from daily commutes to rides home from the bar. Yet, as such a novel industry, there is often ambiguity when it comes to how insurance and liability works in the case of a ridesharing accident—especially because Uber and Lyft drivers are not employees but contracted workers. Our Louisville Uber and Lyft accident attorneys explain.

What is Uber’s Passenger Insurance Policy?

Uber provides third party liability insurance coverage to its drivers. This corporate liability coverage pays up to $1 million for personal injuries and property damage in an accident. However, these policies only apply once the Uber driver’s own insurance has been exhausted. You don’t have to worry about your driver not having insurance as this is a requirement to work for Uber.

However, Uber’s insurance policy only kicks in if the Uber driver was at fault for the accident. If another driver is at fault, that individual’s insurance will cover any damages, or—in case they don’t have insurance—you may be able to take another route, such as filing a claim against Uber. A personal injury attorney can help you figure out which route to take.

If you have been in an accident while riding in an Uber:

  • Check to see if anyone involved in the crash requires medical attention—including yourself
  • Exchange information with the Uber driver, involved parties, and any bystanders who witnessed the crash
  • Photograph the accident scene and take detailed notes on how the accident occurred
  • Report the accident to Uber by clicking here
  • Contact a car accident lawyer

What is Lyft’s Car Accident Policy for Passengers?

Lyft’s insurance structure and policy for drivers works roughly the same as Uber’s. If you have been in a Lyft accident, follow the same steps as above and report your accident to Lyft by clicking here.

Contact Walker Wallace Today!

If you have been in a car accident while riding in an Uber or Lyft, our rideshare accident lawyers can help ensure that you receive proper compensation. Such accidents can be complicated, but our experienced accident attorneys will make it easy for you by walking you through the process. Plus, having a personal injury attorney as an advocate can help you win compensation that will help you recover from your injuries in a more timely and comfortable fashion.

Injured in a rideshare accident? Contact our Louisville Uber and Lyft accident attorneys by filling out our online contact form today.