What If I'm in an Accident While Driving for Uber/Lyft?

Understanding Insurance Coverage as a Rideshare Driver:

Uber and Lyft provide insurance coverage, but the type of coverage depends on your status in the app at the time of the accident. If you’re offline, your personal insurance is in effect. When logged into the app but without an active ride, Uber and Lyft offer limited coverage of $50,000 per person, $100,000 per accident, and $25,000 for property damage.

Once you’ve accepted a ride or have a passenger in the car, the coverage significantly increases. Both Uber and Lyft provide up to $1 million in third-party liability coverage and uninsured/underinsured motorist protection. This policy also covers medical expenses and vehicle damage if the other driver is at fault but lacks sufficient insurance.

Steps to Take After an Accident:

1. Ensure Safety and Call the Authorities: Make sure everyone is safe and call the police to file a report.
2. Report the Accident to Uber/Lyft and Your Insurer: Contact both the rideshare company and your personal insurance provider as soon as possible.
3. Document the Scene: Take photos of the vehicles, damage, and surroundings. Get contact information from witnesses and other involved parties.
4. Seek Medical Attention: Even if injuries seem minor, it’s essential to get evaluated by a healthcare professional.
5. Consult an Attorney: Navigating the complexities of rideshare accident claims can be overwhelming. A personal injury attorney can help ensure you get the compensation you deserve.