You can make a claim against Uber or Lyft if you were injured in an accident. If the Uber or Lyft driver was not at fault, you may still be entitled to recover compensation for your injuries. Uber uses a three-part insurance structure to cover their drivers and any passengers during each trip.
- When the drivers are not available to pick up passengers, they’re covered by their own personal auto insurance.
- When drivers are available but have yet to pick up a passenger, they’re covered by their own personal insurance plus additional contingent liability coverage.
- Drivers who are carrying passengers are covered by a liability coverage policy and an uninsured and underinsured coverage policy in case of accidents with uninsured or underinsured drivers.