Pompano Beach Uber & Lyft Injuries

Before deciding whether to contact your own insurance company after an accident involving Uber or Lyft, it’s essential to understand the insurance coverage provided by these ride-sharing companies. Both Uber and Lyft have insurance policies designed to address accidents that occur during different stages of a driver’s activity on the platform:

1. Offline Mode: When a driver is not actively using the Uber or Lyft app for ride-sharing purposes and is driving their vehicle for personal use, their personal insurance policy is typically responsible for covering accidents during this phase.
2. Driver Online, No Passenger: If a driver is logged into the app but hasn’t accepted a ride request or has no passengers in the vehicle, Uber and Lyft provide limited liability coverage for accidents. This coverage may include coverage for bodily injury and property damage, but it is often secondary to the driver’s personal insurance.
3. Driver with a Passenger: When a driver accepts a ride request and has passengers in the vehicle, Uber and Lyft offer the most comprehensive insurance coverage. This includes liability coverage for bodily injury and property damage, collision coverage, and uninsured/underinsured motorist coverage. Coverage amounts can vary but may go up to $1 million, depending on the specific circumstances of the accident.