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What type of insurance coverage do Uber and Lyft drivers have in the event of an accident?

Popular ridesharing services like Uber and Lyft are incredibly convenient, but what happens if a rideshare driver is involved in an accident? Ridesharing laws are evolving and may differ from state-to-state, so it is important to know what protections are available to you if you are hurt in an accident as a passenger or are involved in a collision with an Uber or Lyft.

If an Uber or Lyft driver is involved in a crash, the driver and the company may be liable, depending on the circumstances. In 2017, Connecticut passed rideshare legislation requiring background checks for drivers to identify potential safety issues including major traffic violations and others and mandating that drivers have adequate insurance to protect passengers and other drivers in the event of a collision.

In addition to the driver’s personal insurance policy, Uber and Lyft both have a three-tier insurance policy that applies depending on the circumstances:

Tier One: The rideshare app is not active. In the event of a collision, the driver will be personally liable. The driver’s insurance policy will be responsible for damages.

Tier Two: The rideshare app is active, and the driver is waiting to take fares. If the driver is involved in a collision, Uber and Lyft both have a 50/100/25 policy. For bodily injury, there is a maximum of $50,000 liability per person (with a maximum of $100,000 in liability per accident). A $25,000 property damage limit also may apply.

Tier Three: The rideshare app is on, and the driver is transporting a passenger or is on the way to pick up a fare. Uber and Lyft both have a $1 million-dollar liability policy that may apply if an accident occurs.

While ridesharing services have revolutionized the transportation industry, we have a right to expect that the drivers they employ operate their vehicles in a safe, responsible manner. If you have been hurt in an accident with an Uber or Lyft, you may be entitled to damages. Contact Jonathan Perkins Injury Lawyers to discuss your rights.


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