Uber, Lyft, and other rideshare apps have become popular throughout the
United States. Requesting an Uber ride is easy, quick, and typically more
cost-effective compared to catching a ride from a taxi service. Furthermore,
many people believe that these ride share services are also safer.
However, collisions involving rideshare drivers are often complex. So what
happens if you’re hurt in a car accident while riding in an Uber or Lyft?
Uber Insurance Policy
Uber has a
three-part insurance structure which covers their drivers and passengers. If a driver is offline and
not available to pick up passengers, he or she covered by their own personal
auto insurance policy.
If a driver is available, but hasn’t picked up a passenger yet, he
or she is covered by their own insurance plus additional contingent liability
coverage which goes up to $50,000 per injury for a total of $100,000,
as well as up to $25,000 in property damage (if the driver’s personal
insurance doesn’t cover the entire accident).
Lastly, drivers who are on a trip with a passenger are covered by a $1
million liability coverage policy and a $1 million uninsured/underinsured
Lyft Insurance Policy
liability coverage for its drivers; however, coverage levels depend on whether there is a
passenger in the car. Collision and comprehension are only available to
drivers who already possess these coverages on their own policies, and
passenger injuries are only covered if the other driver is at fault.
Similar to Uber, Lyft has three “periods” when it comes to
ridesharing. Period 1 entails a driver cruising around with the Lyft app
open, but hasn’t matched with a rider. Period 2 involves a matched
rider and a driver is in route to pick him or her up. Period 3 means that
a rider is in the vehicle and ends when a driver drops the rider off at
Period 1 offers low liability limits - $50,000 per person bodily injury,
$100,000 per incident, and $25,000 for property damage – and comprehensive
and collision coverage are not offered. With periods 2 and 3, liability
coverage is plentiful - $1 million liability policy – but collision
and comprehensive is only contingent, meaning that a rider must make a
claim with his or her own personal collision and comprehensive policy.
Lyft’s policy has a $2,500 that a rider must pay if his or her insurer
denies the claim.
If you suffered an injury in a
car accident as a passenger in an Uber or Lyft car in Ohio,
contact a Toledo personal injury at
Williams DeClark Tuschman Co., L.P.A. and request a
free consultation today.