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Uber or Lyft Accident: Whose Insurance Pays?
In an Uber or Lyft crash, coverage depends on whether the app was off, waiting, or on a trip. How personal and company coverage usually line up.
This short video is a summary of our explainer Rideshare Accidents: How Uber and Lyft Insurance Works for Drivers, Passengers, and Everyone Else, which covers the details, the steps to take, and how auto insurance typically handles it.
Transcript
In an Uber or Lyft crash, whose insurance pays depends on the app status at that moment. If the app is off, your personal auto policy is normally primary. Once a trip is accepted, the company's commercial coverage generally applies. The risky gap is waiting with the app on and no trip yet, when many personal policies exclude rideshare use. Document the app status and tell your insurer if you drive for a rideshare company. State rules vary.
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