The coverage layers, decoded
Which policy pays depends on what the rideshare driver was doing at the moment of the crash:
- App off: the driver's personal auto policy
- App on, waiting for a ride: contingent coverage up to $50,000 per person
- En route to pick up or carrying a passenger: $1,000,000 in coverage
- Your own UM/UIM coverage may stack on top
Passengers have the strongest claims
If you were a passenger, fault is rarely your problem. Either your driver, the other driver, or both are responsible, and the $1M commercial policy is usually in play. Do not let anyone tell you a passenger claim is small.
Rideshare drivers get hurt too
If you drive for Uber or Lyft and got hit, you may have claims against the at-fault driver plus the rideshare policy active at your app stage, and possibly workers' compensation alternatives. We map every avenue before anyone else closes one.
Questions we hear
The crash was my Uber driver's fault. Can I really sue?
You can bring a claim, and it typically targets the commercial insurance, not the driver personally. Passengers are exactly who that $1M policy exists for.
Uber's insurer already reached out with an offer. Take it?
Not before a lawyer reads it. First offers in rideshare cases are notoriously low because most passengers don't know the coverage available.
Does it matter that the ride was ordered by someone else?
No. Your rights as an injured passenger don't depend on whose phone booked the trip.