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Uber And Lyft Insurance Policies

Uber and Lyft each have their separate insurance policies that have a certain coverage if an accident were to occur. They both advocate a “one million dollar insurance policy” however, the reality is a bit more elaborate then they put if off to be.  Certain specifications need to have happened for the “one million dollar policy” to apply. Below will show how both Uber’s and Lyft’s insurance policies work.

Uber Drivers Coverage

Uber drivers are covered under an insurance plan with three parts.

  1. If the driver is not logged into the app and is using the vehicle for personal reasons, then the driver would be covered by their own insurance policy.
  2. If the driver is logged into the app, and is available to pick someone up, but is not transporting anyone at the time of the accident, they would be first covered by their own insurance, and then for an additional $50,000 in personal injury (no more than $100,000), and $25,000 for property damage by Uber’s insurance.
  3. Only when an Uber driver is transporting a passenger does the ‘one million dollars’ liability coverage becomes active. It would also work with underinsured and uninsured Uber drivers, but if the proper background check was done, it should not be a necessity.

Do They Have Insurance?

Uber drivers are required to carry at least the minimum state-mandated insurance coverage, but many insurance companies cancel the policy with the driver once they find out that they are offering undisclosed services to passengers. The reason for that is obvious, they do not want to pay more than they would already have to. There are many insurance providers like Progressive and Geico, that have the option to buy a ‘ridesharing insurance policy’ in certain states. Uber drivers also have the option to purchase a commercial insurance policy. This policy is expensive, about $1,200 to $2,400 per year, but it ensures maximum protection.

Lyft Drivers Coverage

Lyft is like Uber with their policy coverage. They also have the ‘one million dollars’ policy that is applied when a Lyft driver is transporting a passenger. Driver’s must carry their own insurance policies while meeting the minimum requirement. Whether they were on their apps at the time of the accident or not, will determine whether the Lyft insurance company must pay for the damages caused. If it is found that none of those requirements were met, then it would have to be through the driver’s insurance policy. Which is why its important to speak with a uber and lyft accident attorney

Is it Safe to Ride with Uber?

Nothing is ever too safe, and this applies to Uber and Lyft too. There have been incidents with Uber drivers that have received media coverage:

 Woman dead after being struck by an Uber vehicle In Windsor

A DUI Uber driver crashed into a party bus in San Diego

Wrongful Death lawsuit filed against Uber Driver in Florida

 Is it Safe to Ride with Lyft?

There have been some events like Uber that have taken place and made media coverage:

 First fatality by a lyft vehicle near Sacramento

A man killed by a lyft driver on Halloween


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