Rideshare accidents involve complex insurance with Uber and Lyft providing different coverage depending on driver status at the time of the crash.
Uber/Lyft Insurance Coverage Tiers
Period 0: App Off
Driver's personal insurance only (may deny coverage if they find out you were ridesharing).
Period 1: App On, Waiting for Ride Request
- $50,000 per person injury
- $100,000 per accident
- $25,000 property damage
Periods 2-3: Ride Accepted or Passenger in Car
- $1 million liability coverage
- $1 million uninsured/underinsured motorist
- Full protection for passengers
Average Settlement Amounts
- Minor injuries (passenger): $25,000-$75,000
- Moderate injuries: $75,000-$250,000
- Severe injuries: $250,000-$1 million (policy limit)
Who Can Be Held Liable?
- Rideshare driver
- Uber/Lyft (through insurance)
- Other driver (if at fault)
- Third parties (maintenance, manufacturers)
Challenges in Rideshare Claims
- Determining driver status at time of crash
- Multiple insurance companies involved
- Uber/Lyft may dispute coverage
Maximizing Your Settlement
- Screenshot the app showing your ride
- Get driver information
- Preserve ride receipt/confirmation
- Report to Uber/Lyft immediately
Calculate Your Rideshare Accident Settlement
Use our settlement calculator. As a passenger, you typically have strong claims with high policy limits available.
SettlementCalcUSA Editorial Team
Our editorial team consists of researchers and writers with backgrounds in legal research, personal injury law, and insurance claims. We compile information from publicly available legal resources, court records, and official state statutes to provide accurate, educational content.
Note: Our content is for educational purposes only and does not constitute legal advice. Always consult with a licensed attorney for advice specific to your situation.