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Car Accidents Involving Uber or Lyft

a man next to wrecked cars at an accident sceneSince rideshare cars are technically commercial vehicles, any accidents involving Ubers or Lyfts can be complicated. There are different factors that come into play during an accident that determine whether Uber or Lyft will cover drivers and their passengers in the event of an accident. Read on to stay informed on the road.

Uber and Lyft Accident Liability

For major ridesharing companies including Uber and Lyft, the corporate insurance policies that cover drivers and passengers are active at different times during a driver’s work hours. Uber’s insurance policy, for example, covers drivers and riders in the following ways:

  • If the driver’s Uber app is off: The driver’s chosen personal insurance company will cover the driver in the event of an accident during this time.

  • If the Uber driver is available or waiting for a ride request: Uber’s insurance policy covers third-party liability if the driver’s personal insurance doesn’t apply, including $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident.

  • If the Uber driver is en route to a passenger or has a passenger in the vehicle: Uber’s insurance policy covers $1,000,000 third-party liability, uninsured/underinsured motorist bodily injury, contingent comprehensive and collision coverage up to the actual cash value of the vehicle, minus a $1,000 deductible.

Due to the novelty of ridesharing platforms like Uber and Lyft, the logistics can still prove complicated in the wake of a car accident. If you or someone you love has been injured in a rideshare accident, our Kansas City personal injury attorneys are here to help. We know how to navigate these more complex areas of the law and help you recover the compensation you deserve.

Contact DiPasquale Moore at (855) 965-4495 to learn how we can assist you.


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