Ride-share companies such as Uber and Lyft initially tried to bypass liability by claiming they are not necessarily employers—rather than just a technology source to connect drivers with people.  Although, there have been countless lawsuits filed against these companies, which ruled that these ride-share companies must take responsibility of their drivers and their passengers. Being an Uber or Lyft driver, you must have your own personal auto insurance since you are driving your personal car. This insurance policy must meet your states minimum financial responsibility requirements.

  • If the Uber driver is using his/her car for individual reasons and is not logged in the app he/she is covered under their personal auto insurance.
  • If the driver is logged into the app but not transporting anyone at the time, the accident at which they were involved in, is covered by their personal insurance, then Uber’s insurance will step in for another $50,000 per injury (up to $100,000) and up to $25,000 in damage.
  • When the driver is transporting a passenger and gets in an accident, Uber steps in and has a $1 Million policy. This insurance policy will also cover those drivers who are uninsured and underinsured. (Source from com)

Currently, Uber and Lyft require a background check prior to allowing a driver under their $1 Million dollar policy. The likelihood of getting in an accident with an Uber/Lyft driver is more common than you would think. Uber and Lyft are now offering rides in more than 200 U.S. cities. The attorneys at Harris Personal Injury understand the new accident liability and can help plaintiffs through the filing process. Harris Personal Injury Lawyers can alleviate your stress and help you navigate the complex process of getting the financial compensation you deserve.


*Photo source Venturebeat.com.

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