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Insurance Coverage in a Rideshare Accident

Am I Covered in a Rideshare Accident?

When we get into an Uber or Lyft, we expect to get to where we’re going safely. The simple truth, however, is that virtually all rideshare drivers are ordinary motorists with no additional training for transporting passengers. As such, rideshare accidents are startlingly common.

Learn how insurance coverage works in a rideshare accident to protect your rights.

Rideshare Insurance Coverage

Rideshare companies’ insurance coverage can be complicated, since what they will pay for depends on what mode their apps were in at the time of the accident.

Uber, for example, will cover a car accident involving one of their drivers in the following ways:

  • When the Uber app is offline or off: The driver’s personal insurance company will pay for damages if they were at-fault.

  • When the Uber driver is available or waiting for a request: Uber will pay for third-party liability if the driver’s personal insurance doesn’t apply, including $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident.

  • When the Uber driver is en route to pick up a passenger and during trips: Uber will pay for $1,000,000 third-party liability, uninsured/underinsured motorist bodily injury, and contingent comprehensive and collision coverage.

Injured in a Rideshare Accident? We’re Here to Help

If you have been injured in a rideshare accident, our Louisville personal injury attorneys are here to help you sort through liability issues and help you recover the compensation you deserve.

Contact Dolt Thompson Shepherd & Conway at (502) 242-8872 to learn how we may assist you.