What Happens When You Get into a Car Accident While in a Ride Sharing Service?

Ride sharing services such as Uber and Lyft have become wildly popular amongst commuters and those who just need to get from point A to point B.  We either have used these services ourselves or know of others who use them frequently. Obviously, the more we use something the more accidents tend to occur.

Though statistics have shown that the number of DUIs in cities across the country have gone down since the rise of ride sharing services, people still make the bad judgement of getting behind the wheel while under the influence of alcohol or other substances.  Car accidents will still occur and if you are a passenger and your ride sharing driver gets into an accident, here are some important points you need to know about their insurance policies.  

Uber and Lyft carry third party liability insurance coverage that pays up to $1 million for personal injuries and property damage per accident. Passengers are covered when the ride sharing driver is at fault. If the ride sharing driver isn’t at fault, then the rider would make a claim against the at-fault driver through a third-party insurance claim or a personal injury lawsuit.

Uber Driver

Offline or Uber app is off

  • Driver’s personal insurance company covers

While Driver is available or waiting for a ride request

Third-party liability if your personal auto insurance doesn’t apply

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

In route to pick up riders and during trips

Uber maintains the following auto insurance on your behalf in case of a covered accident

  • $1,000,000 third-party liability
  • Uninsured/ under insured motorist bodily injury
  • Contingent comprehensive and collision
  • Up to actual cash value of car ($1,000 deductible)

Lyft’s Driver

  • Contingent Liability (coverage only while in driver mode waiting for a ride request)
  • Primary Automobile Liability
  • Contingent Comprehensive & Collision
  • Uninsured/ Under insured Motorist (UM/ UIM)

What Should You Do?

  • Call 911.
  • Take Photos.
  • Get the Other Driver’s Information.  
  • Don’t Take the Blame.  
  • Look for Witnesses.  
  • Take Notes.  
  • Contact Uber.   
  • Call Your Insurance Company.  
  • Contact a Personal Injury Attorney.