Uber, Lyft, and other rideshare apps are constantly used by Americans every single day. Requesting a ride is simple, fast, and often more cost-effective than riding in a taxi. Additionally, many people believe that these rideshare services are also a safe alternative, especially when it comes to alcohol consumption.
However, car accidents involving Uber and Lyft drivers are often complicated. So what happens if you are injured in a collision while being a passenger in a rideshare service car?
Rideshare Service Policies
Uber & Lyft have similar policy rules. They carry liability coverage for its drivers and passengers, but coverage levels depend on whether there is a passenger in the vehicle or not. Both have a three-part insurance structure.
If a driver is offline and not available to pick up riders, he or she is covered by their own personal auto insurance. If a driver is available, but hasn't matched with a passenger yet, he or she is covered by their own insurance plus an additional contingent liability coverage - which goes up to $50,000 per person bodily injury, $100,000 per incident, and $25,000 for property damage. If a driver picks up a passenger and is on a trip with them, a passenger is covered by a $1 million liability coverage policy.
But in many cases, these type of accidents can be complicated. If you were a passenger in an Uber or Lyft and suffered an injury in a car accident, it is in your best interest to obtain legal representation from an experienced car accident attorney.