Insurance Coverage And Uber/Lyft Accidents

Insurance coverage is always a primary consideration when making a personal injury claim after an accident in an Uber or Lyft vehicle. With the popularity of ridesharing services skyrocketing in California, it is important to understand the insurance policies these companies offer for passengers.

The Law Offices of John C. Ye, A Professional Law Corporation specializes in personal injury law and provides an experienced team to handle rideshare accident cases.

Timing Is Everything: When An Accident Impacts Insurance Coverage

The specific circumstances surrounding an Uber or Lyft car accident determine how much insurance the driver has to carry and/or how much the rideshare company will pay for an accident claim that is the rideshare driver’s fault.

  • If an accident happens when the driver is off-duty and does not have their app on looking for passengers, their personal insurance will cover the damages if they are at fault.
  • If an accident happens when a driver is on-duty but has not been paired with a passenger, their personal rideshare insurance or the company’s policy will cover an accident .
  • If an accident happens after a passenger has been paired with a driver or once the passenger enters the vehicle, Uber or Lyft’s  liability insurance applies to any damages that are the rideshare driver’s fault.

Uninsured Or Underinsured Motorists And Rideshare Accident Claims

What if the accident is the fault of the other driver? If they have adequate personal auto insurance, the at-fault driver’s insurer should pay your injury claim. However, if the at-fault driver is underinsured or completely uninsured, both Lyft and Uber have uninsured driver coverage.

If We Do Not Win, You Do Not Pay

At the Law Offices of John C. Ye, A Professional Law Corporation, if we do not secure the funds you need to recover from your injuries, you owe us nothing in legal costs. To find out how we can help you, call our office at 877-278-6890 or use our online contact form. We serve clients in greater Los Angeles and across California.