Whose Insurance Is Responsible If I Get Hurt In an Uber or Lyft?

If you get hurt in a car wreck while riding in an Uber or Lyft, the insurance company that is responsible for covering your injuries will depend on the specific circumstances of the accident and the insurance coverage of the driver and the ride-sharing company.

When a driver is logged into the app and is available to accept a ride, they are covered by the ride-sharing company's liability insurance. This coverage typically includes up to $1 million in liability insurance per incident, as well as uninsured/underinsured motorist coverage.

However, if a driver is not logged into the app and is not available to accept a ride, then the driver's personal insurance policy would be responsible for covering any injuries.

It's important to note that the insurance coverage can be complicated and might vary depending on the state. In some states, ride-hailing companies are required to have additional insurance coverage to protect riders during certain periods, like when a driver is waiting for a match, or when the driver has accepted a ride request but the passenger has not yet entered the vehicle.

In any case, If you are hurt in a car accident while riding in an Uber or Lyft, you should seek medical attention right away.

It is important to keep in mind that you should always contact an attorney if you have been involved in an accident while using a ride-sharing service, they will be able to advise you on your rights and help you to navigate the process of making a claim.

Keith & Lorfing is here to help. Call us today.