For Drivers
Injured while driving?
Your status is complicated. Your rights are real.
Rideshare drivers face a unique web of insurance periods, exclusions, and company policies. We help you cut through it.
When you drive for Uber or Lyft, your coverage depends on which of the three periods you are in. If the app is off, only your personal policy applies. If the app is on but you have no ride, contingent liability coverage kicks in. Once you accept a trip or have a passenger, the company provides up to $1 million in coverage.
The problem: many insurers deny personal auto claims when they learn the driver was working. The rideshare company's contingent coverage may also have loopholes and delays.
If another driver caused the crash, you can pursue their insurance directly. If they are uninsured, your own uninsured motorist coverage may protect you.
Insurance gaps
Personal auto insurance often excludes commercial activity. Uber and Lyft coverage only applies in specific periods.
Your rights
Even as an independent contractor, you can still sue at-fault drivers and make uninsured motorist claims.
Prop 22 impact
Prop 22 limits employee benefits but does NOT shield the company from liability claims for accidents.
Injured off-app?
If you were not logged in, your personal auto policy and the at-fault driver's coverage apply.
Do not rely on the app alone
Uber and Lyft have teams working to minimize payouts. Protect yourself by talking to an attorney before giving any recorded statement.
Driver coverage periods