Both Uber and Lyft are required to provide insurance coverage for their drivers. This coverage typically includes liability coverage, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage.
Rideshare drivers are required to have their own auto insurance that meets the state’s minimum requirements. During the period when a driver is available but hasn’t accepted a ride request, the rideshare company’s contingent liability coverage may apply.
There is no PIP or Medpay available to the passenger under the Uber/Lyft policy and PIP (medical coverage) is generally not extended by the driver’s insurance coverage when the vehicle is being used as a livery vehicle. (a vehicle for hire) This can be a problematic if the passenger does not otherwise have PIP medical coverage under his own personal auto policy or through a policy of health insurance.
If you have been involved in a motor vehicle accident involving an Uber/Lyft it is important that the claim be handled properly from the outset. Call Mark C. Dewland P.C. at 609-472-1377 and get the help you need.