How much does Uber or Lyft insurance cover?

It depends on the app status at the time of the crash and on state law: little or nothing beyond the driver's own policy when the app is off, contingent coverage while waiting for a ride, and much higher coverage (often up to $1 million) once a ride is accepted.

Can a passenger sue Uber or Lyft?

Passengers usually claim against the rideshare company's commercial policy that applies during a trip, and possibly against another at-fault driver. The company itself often argues it is not directly liable.

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Uber & Lyft Accident Settlement Calculator

Rideshare insurance depends on what the driver was doing. With the app off, only the driver's personal policy applies. With the app on but no ride accepted, Uber or Lyft usually provides lower contingent coverage. Once a ride is accepted, much higher coverage typically applies, though limits are set by state law and vary.

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Your accident

State where the accident happened

How serious is the injury?

Minor×1.5–2Soft tissue, sprain, bruising; heals in weeksModerate×2–3Whiplash or back pain with months of therapySerious×3–4Fracture, herniated disc, concussion, surgerySevere×4–5Brain or spinal injury, permanent disability

Your costs so far

Medical billsLost wages

That's all you need for a first estimate. Rough numbers are fine.

Optional: make the estimate more accurate fault, insurance, lawyer fee

Fault and future costs

Your share of fault 0%Not at faultFully at faultExpected future treatment

Insurance

Other driver's policy limitLeave empty to assume your state's legal minimum.Your UM/UIM coverage

What comes out of it

Attorney fee 33%No lawyer45%

Case costsMedical liens to repay

Choose your state to see your estimate

What your claim may be worth
What you would actually take home
Your state's deadline to file

What makes a uber or lyft accident claim different

App offOnly the driver's personal auto policy applies, like any car accident.

App on, waiting for a rideThe rideshare company usually provides contingent liability coverage at roughly state-minimum-style levels (often around $50,000 per person / $100,000 per accident), which applies if the driver's own policy does not.

Ride accepted or passenger on boardMuch higher liability coverage, often up to $1 million in many states, typically applies. Some states have changed these limits, so confirm the current rule for your state.

Prove the app statusThe app period decides which coverage applies. Ask for the trip and app records as early as possible.

Rules in your state

Your state's fault rule and lawsuit deadline apply to uber or lyft accident claims. Pick your state for its rules and official sources, or compare fault rules and deadlines across all states.

Frequently asked questions

How much does Uber or Lyft insurance cover?: It depends on the app status at the time of the crash and on state law: little or nothing beyond the driver's own policy when the app is off, contingent coverage while waiting for a ride, and much higher coverage (often up to $1 million) once a ride is accepted.
Can a passenger sue Uber or Lyft?: Passengers usually claim against the rideshare company's commercial policy that applies during a trip, and possibly against another at-fault driver. The company itself often argues it is not directly liable.