Rideshare
Rideshare Accident Claims (Uber/Lyft) — Your Rights
Sun May 17 2026 00:00:00 GMT+0000 (Coordinated Universal Time) · 4 min read
Three insurance “periods”
Most states use a framework like:
- App off — driver's personal auto policy
- App on, no ride — limited commercial coverage
- Ride accepted / passenger inside — higher commercial limits
Exact amounts vary by state and company.
Passengers
If you were a passenger, you may have claims against the rideshare policy, the at-fault driver, and your own UM/UIM.
Drivers for Uber/Lyft
You may face gaps between personal and commercial coverage. Document the app status at impact.
What to do at the scene
- Call 911
- Screenshot the trip in the app
- Get the driver's plate and rideshare ID
- Seek medical care even if you feel fine
Questions? Get matched free or call (978) 515-6063. See California rideshare-heavy cities and Los Angeles.
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