Injured in an Uber or Lyft in Kentucky? Untangling the Insurance

Rideshare crashes involve layered coverage. Learn which policy applies in each phase of a trip and how to protect your Kentucky claim.

Coverage depends on the trip 'phase'

Rideshare insurance is built in layers that switch on and off depending on what the driver was doing at the moment of the crash. Pinning down the phase is the central question in any Uber or Lyft case.

The three phases

Phase 0 — app off: only the driver's personal auto policy applies. Phase 1 — app on, waiting for a request: the rideshare company provides limited contingent liability coverage. Phases 2 and 3 — ride accepted and passenger aboard: the rideshare company's large $1,000,000 liability policy generally applies, along with contingent collision and UM/UIM coverage.

Who can recover

Injured passengers, occupants of other vehicles, motorcyclists, cyclists, and pedestrians can all have claims after a rideshare crash. Depending on the facts, the rideshare policy, the driver's personal policy, and any other at-fault driver's coverage may all come into play.

Protect your claim

Screenshot the trip details and driver information in the app immediately, photograph the scene, get witness information, and seek medical care. Then let an attorney sort out the overlapping policies — it is more complex than a standard crash.

Call 973-566-5599 for a free review of your rideshare injury claim.