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Florida Lyft and Uber Car Insurance Coverage

While Uber and Lyft both have excellent insurance coverage, the type of car insurance that will provide coverage after a crash depends on the Uber driver’s status at the time of the car accident. Essentially, rideshare insurance (Uber and Lyft) has four different types of car crash insurance coverage for Lyft of Uber accident claims:

While Driver Mode is switched off
While Driver is waiting for a ride request
Once a ride request has been made
Once a passenger is enroute

Lyft or Uber Car Insurance Coverage While Driver Mode is Switched Off.

Those who elect to utilize their personal vehicles to provide taxi-level services to Uber or Lyft app consumers must still have their own personal auto-insurance policy. While an uber driver or Lyft driver is using their car for non-uber / non-Lyft purposes (e.g. driving to or from their regular job, running personal errands, driving family members around, or any other personal use) will not have Uber car insurance coverage, at all, through Uber or Lyft. Uber coverage (and Lyft insurance crash insurance coverage) will only kick in once the Uber driver or Lyft driver toggles driver mode on or otherwise indicates to Uber or Lyft that they are ready to accept fares.

Uber Car Insurance Coverage in Effect While a Driver is Waiting for a Ride Request from an Uber or Lyft app.

Once driver mode is toggled on, but before an Uber passenger has requested a ride, the uber driver has a $50,000 per person / $100,000 per accident in bodily injury coverage and $25,000 in property damage (only if the driver’s personal insurance policy will not kick in).

Why wouldn’t an uber driver’s personal insurance policy cover an accident if the uber driver was involved in a crash (but not yet with a passenger)?

Most personal car crash insurance policies will not cover their insured if they are driving in the course and scope of their business or employment (unless the uber driver disclosed and likely paid an extra premium for this coverage).

So once the uber driver has toggled their app on (indicating they are waiting to receive ride requests), the uber driver’s personal injury policy would likely argue that they were driving for non-personal uses (as part of an employment or for work purposes) and disclaim coverage.Of course, if the Uber driver or Lyft driver has paid for rideshare insurance coverage (in addition to their regular personal car accident insurance coverage), then they will have the best of both worlds and sometimes even the ability to stack coverages for their benefit (and protection) in the case of Uber accident claims.

In a non-uber context: personal injury attorneys often see this with food-delivery people and of course, a very clear situation would be, for example, the case of a FedEx driver getting into a car accident. While in the truck, FedEx’s insurance policy is liable for the driver’s negligent actions, when the FedEx driver gets off of work and heads home, their personal insurance carrier is responsible for covering the driver’s negligent actions.

Lyft / Uber Car Insurance Coverage: Auto Insurance in Effect Once a Ride Request Has Been Made.

Once an Uber or Lyft ride request has been made and accepted by the Uber driver Uber insurance covers them for up to $1,000,000. Both Uber and Lyft should be commended for having excellent insurance in place to protect their drivers, passengers and 3rd parties injured as a result of a Lyft or Uber driver’s negligence.

Uber Car Insurance Coverage in Effect Once a Passenger is En-route.

Same as above, even before the rideshare requestor has entered their Uber or Lyft, they have uber coverage for up to $1,000,000 for their medical bills, lost wages and pain and suffering should they need to make an uber accident claim or file an uber lawsuit.  

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FAQ

What If My Uber Driver Causes An Accident?

In Florida, if the Uber driver wasn’t paying attention and causes the accident then your Uber accident lawyer would be able to bring a claim against Uber’s $1 Million Dollar insurance policy and, again, potentially against the Uber rider’s own underinsured motorists policy.

But realistically, very few Uber or Lyft car accidents are catastrophic enough to justify a personal injury settlement or verdict over $1,000,000.

How do I report an Uber accident claim?

Once it’s safe to do so, report your accident to Uber’s customer service team. In the mobile app, under “Trip Issues and Fare Adjustments,” select “I was in an accident,” and an Uber representative will get in touch with you.

How do I report a Lyft accident claim?

If you’ve been in an accident with a Lyft, you must report the accident to Lyft’s customer service. They can be contacted directly through the mobile app under “contact support.”

Are Uber drivers covered by insurance?

Uber drivers must maintain their own personal insurance policies, but Uber’s supplemental insurance kicks in when a ride has been accepted, providing some additional liability coverage.

What if an Uber driver hits my car?

Uber provides liability insurance if their personal insurance does not cover the damages from the accident. If you are not at fault, Uber can be held entirely financially responsible for any losses.

Does Uber compensate their drivers for an accident?

Uber provides third-party insurance that will cover any injuries incurred by others or damages to their property. This does not cover any losses that the operator may incur.

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Uber Car Accidents Lawer

Uber Car Accident Law represents Miami and South Florida victims of Uber accidents

Lyft Car Accidents Lawer

Uber Car Accident Law represents Miami and South Florida victims of Lyfr accidents

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Uber Car Accident Law represents Miami and South Florida victims of Turo accidents

Helping those Injured in Accidents Across Florida

While we are proud to call Fort Myers home, we are also more than happy to help injured people living anywhere in the Sunshine State. In fact, we’ve even been known to travel all around the country just to meet our clients’ needs.

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