Three Levels of Liability
The rideshare companies break liability down into three different levels—and are insured accordingly:
- If the rideshare driver is logged into the app, waiting on a ride request, both Lyft and Uber provide $25,000 per accident for property damage and $50,000 per person for bodily injury.
- When the rideshare driver has picked up a passenger or is on the way to pick up a passenger, both rideshare services provide $1 million in third-party liability protection and $1 million in uninsured/underinsured motorist coverage.
- If the driver is not logged into the app and an accident occurs, the driver’s personal insurance will apply.
If the rideshare driver’s personal insurance policy takes effect whether the driver is working or not, or if the driver added a ride-hailing insurance endorsement to their existing policy, an injured passenger may also be able to collect from the driver’s policy in the event of an accident.