How Rideshare Insurance Works
Coverage depends on what the driver was doing. When the app is off, only the driver's personal policy applies. When the app is on and waiting for a ride, limited contingent coverage applies. Once a ride is accepted or a passenger is aboard, the rideshare company's $1,000,000 liability policy generally applies. Determining which phase was in effect is central to your claim.
Who Can Be Compensated
Injured rideshare passengers, occupants of other vehicles, motorcyclists, cyclists, and pedestrians may all have claims. The rideshare company's policy, the driver's personal coverage, and any other at-fault driver's insurance may come into play.
Protecting Your Claim
Screenshot the trip details in the app, get the driver's information, photograph the scene, gather witnesses, and seek medical care. An attorney can untangle the overlapping policies and pursue full compensation.
Free Uber & Lyft Accident Case Review
Find out what your Kentucky claim may be worth. A specialist will reach out within the hour — no cost, no obligation.
Uber & Lyft Accident Claim FAQs
It depends on the trip phase. With a passenger aboard or a ride accepted, the rideshare company's $1M policy generally applies. An attorney can confirm which coverage is in play.
Yes. Injured passengers are typically covered and can pursue compensation for their injuries.
Nothing upfront — contingency only, free review.