Insurance Coverage
Insurance layers, explained.
What covers you, when, and why it matters.
04 — Insurance Coverage
Three periods. Massive differences.
Understanding when you're covered — and when there's a gap.
Period 1
App Off
Personal insurance only
Driver policy
Period 2
App On, No Ride
$50k / $100k / $30k
Contingent liability
Period 3
En Route or Active
$1,000,000 liability
Full company coverage
THE GAP
Personal insurance often denies rideshare claims.
Company policies have exclusions. Both can leave you exposed.
The Gap
Personal insurance often denies rideshare claims. Company insurance has exclusions. Both may leave you exposed.
Rideshare insurance is layered, conditional, and often confusing. The right question is not just who is at fault, but who is paying.
Both Uber and Lyft carry commercial policies in California. These policies are split into three periods based on driver app status. The coverage amount jumps dramatically once a driver accepts a trip or has a passenger.
Coverage types
Liability coverage
Pays for injuries and damages the rideshare driver causes to others.
Uninsured/underinsured motorist
Protects you when the at-fault driver has no insurance or too little.
Contingent comprehensive/collision
Covers the rideshare driver's vehicle if they have personal comp/collision.
Personal injury protection (PIP)
Pays medical bills regardless of fault, if the policy includes it.
When to call a lawyer
If you are dealing with multiple insurance companies, delays, low settlement offers, or denied claims, an attorney can identify every available policy and negotiate from strength. The Herman Firm offers free consultations.
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