Rideshare crashes raise a question ordinary wrecks don’t: whose insurance pays? The answer depends on what the driver was doing in the app at the moment of the crash.
How rideshare insurance works
| Driver’s app status | Coverage that may apply |
|---|---|
| App off | The driver’s personal auto policy |
| App on, waiting for a ride request | Limited contingent coverage from the rideshare company, in addition to any personal coverage |
| Ride accepted or passenger on board | The rideshare company’s commercial policy, typically $1 million in third-party liability coverage |
Policies change, so we confirm the exact coverage in every case.
Who we help
- Passengers hurt in an Uber or Lyft
- Drivers and passengers in other vehicles hit by a rideshare driver
- Pedestrians and cyclists
- Rideshare drivers hurt by another driver
What to do after a rideshare crash
- Call 911 and get medical care.
- Screenshot the ride details in your app.
- Photograph the vehicles and get the driver’s insurance information.
- Report the crash in the app, but don’t give a recorded statement to any insurer before talking to us.
Already got a call from the insurance company? Talk to us first. It’s free. Call or text 1-866-288-9276, answered 24/7.
Related guides from our blog
Rideshare accident FAQs
Can I sue Uber or Lyft directly?
Rideshare drivers are usually treated as independent contractors, so claims typically go through the insurance policies. We identify every policy that may apply.
I was a passenger. Do I have to prove who was at fault?
As a passenger you are rarely at fault. The question is which driver and which policy are responsible. That’s our job.
