Rideshare claims pivot on what the driver was doing at the moment of impact: app off, app on awaiting a request, en route to pickup, or carrying a passenger. Each phase triggers a different layer of coverage — sometimes the driver’s personal policy, sometimes the rideshare company’s $1M policy.
Overview
Both Uber and Lyft maintain a tiered insurance structure tied to driver app status. Securing the correct coverage requires evidence of what the driver was doing when the collision occurred — often only available through the rideshare company itself.
Key Considerations
- Period 0 — App off: only the driver’s personal auto policy applies.
- Period 1 — App on, no ride accepted: limited contingent liability coverage from the platform.
- Period 2 — En route to pick up: $1,000,000 third-party liability and contingent comprehensive/collision.
- Period 3 — Passenger in vehicle: full $1,000,000 third-party liability plus UM/UIM.
- App-status evidence — preservation letters to Uber/Lyft are essential within days of the collision.
Damages
- Medical expenses and future care
- Lost wages and earning capacity
- Pain and suffering, emotional distress
How We Engage
Initial consultation is complimentary. We act quickly to preserve app-status evidence from the rideshare company.
