If you are injured in an accident while traveling in an Uber, Lyft, or other rideshare service, you may question whose insurance policy applies. Should you attempt to seek coverage from the rideshare company’s insurance or from the driver’s personal car insurance? The answer will depend on the type of insurance the driver possesses and the status of the driver when the accident occurred. The following article will discuss situations where a rideshare company’s car insurance applies to an accident, as well as situations where a rideshare driver will have to use his own auto insurance after an accident.
When Does the Rideshare Company’s Car Insurance Policy Apply?
In order to determine if the rideshare company’s car insurance applies, you must first determine the status of the rideshare driver at the time of the accident. For example, if the rideshare driver’s app is on and that driver is waiting for a customer to request a ride when an accident occurs, Uber and Lyft both provide the following types of liability coverage for the driver: