Rideshare accidents are not like regular car accidents. There is a complex web of insurance policies depending on exactly what the driver was doing at the second of impact.
The 3 Periods of Coverage
- Period 0 (App Off): Driver is just a regular person. Only their personal insurance applies.
- Period 1 (App On, Waiting): Driver is logged in but has no ride. Limited coverage (usually 50k/100k) applies.
- Period 2 & 3 (En Route / Passenger in Car): Full coverage. Uber/Lyft provide a $1 Million liability policy and $1 Million UM/UIM coverage.
Rights of the Passenger
If you are a passenger, you are in the best position legally. You are innocent. We can trigger the million-dollar policy to ensure your medical bills are fully covered, regardless of which driver caused the crash.
