Both Uber and Lyft perform criminal background checks on their drivers and make sure their drivers obtain personal auto insurance in accordance with Florida Law. Unlike taxi drivers, however, ridesharing drivers are not required to carry commercial auto insurance although some may.
What does this mean for you? This means that you are not necessarily covered by a ridesharing driver’s insurance in the event of an accident. There are multiple insurance carriers involved in a ridesharing auto accident claim. These include:
- The ridesharing company’s insurer
- The private auto insurer for the ridesharing driver
- The insurer for any other vehicles involved in the accident
What Is Covered By Uber or Lyft’s Insurance?
The insurance used by Uber and Lyft provides coverage for different types of liabilities for their drivers. Their coverage protects drivers that are actively transporting, picking up, or searching for fares. Coverage may also apply to passengers in an Uber or Lyft, as well as drivers or passengers in other vehicles when the rideshare driver was at fault. This insurance covers liabilities, such as:
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage
- Personal injury protection
The important stipulation with Uber and Lyft insurance policies is that the driver must be logged into the app. When the Uber or Lyft driver is logged into the ridesharing application, the following coverage is provided:
- Uber and Lyft provide coverage of $50,000 per person/$100,000 per accident in bodily injury and $25,000 per accident in property damage when the driver is logged in but not actively picking up or transporting a fare.
- Uber and Lyft provide coverage when a driver is actively picking up or transporting a fare of $1 million in third-party liability coverage (includes Uber or Lyft passengers, occupants in other vehicles, bicyclists, or pedestrians), $1 million in uninsured/underinsured motorist coverage, and collision and comprehensive coverage for the driver’s vehicle if they have collision and comprehensive coverage with their own auto policy.
However, this is not the case if the driver was not logged into the app when the accident occurred. In this case, the driver’s personal or commercial auto insurance would apply.