Uber & Lyft Accidents

If your injuries in an accident are caused by your Uber or Lyft driver, liability will be contingent upon the stage of the trip they were in at the time of the accident. Generally, four distinct scenarios will influence the degree of liability a driver may bear after negligently causing you harm in an accident:

1. 1. They have not activated the app and are not awaiting a passenger.
   2. Their rideshare app is active, and they are awaiting a passenger assignment.
   3. They are on their way to pick up a passenger.
   4. They have already picked up a passenger and are in route to the destination.

These above scenarios are pivotal to your injury case as they dictate which insurance will be responsible for your claim. If a rideshare driver has the app turned off, any accident would fall under their personal car insurance coverage, not that of Uber of Lyft. This is because they are not actively working and are not logged into the app, so incidents during this time are considered personal.

On the other hand, if your driver had the app turned on or was awaiting a passenger, most rideshare companies offer contingent coverage with standard limits. For Uber and Lyft in particular, accidents that occur while transporting a passenger or while in route to pick up the passenger, a $1 million commercial insurance policy covers that timeframe. All in all, as illustrated above, liability for Uber and Lyft accidents all depends on what part of the trip the driver of the rideshare was on at the time of the accident.