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Am I Covered if My Uber Driver Gets in an Accident?

Rideshare companies like Uber and Lyft have taken the country (and world!) by storm in the past few years and now, their services provide a main method of transportation for millions of people across the globe. People enjoy using rideshare services because they’re cheap and, in most cases, safe. However, Uber and Lyft vehicles are passenger cars like any other, are driven by people who often don’t have much professional driving experience, and will get into accidents like any other car on the road.

If your Uber or Lyft driver gets into an accident while you’re in the car, do you know if you’re covered? Get all the facts so you can protect your rights the next time you step into a rideshare vehicle.

Uber’s Insurance Plan

Uber drivers are independent contractors, and are responsible for many of the costs associated with driving for Uber. Uber drivers have to pay for their own gas, maintenance, and car insurance. The driver’s personal insurance policy comes into play if they get in an accident while driving for Uber.

If an Uber driver is available for passenger pickups but does not have a passenger in the car at the time of an accident, the driver’s personal insurance policy would cover most of the damages. Uber’s contingent liability coverage only kicks in after the driver’s personal coverage is depleted of funds when satisfying the claim.

If a passenger is in the car at the time of the accident, the same situation will apply. Except in this situation, Uber’s insurance will cover up to $1 million, rather than a smaller monetary amount it would cover in the previous scenario. These funds would cover medical expenses for injuries that passengers sustained during an accident.

Injured in a Car Accident? We’re Here to Help

If you’ve been injured in a car accident, our personal injury attorneys at Crane Flores are here to assist you. We’ve successfully secured millions of dollars for clients throughout Ventura and Santa Barbara counties and helped them on their road to recovery.


Don’t let your rights get violated. Contact Crane Flores, LLP today at (805) 628-4967 for a free consultation!

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