Uber accident: whose insurance pays?
Hurt as a passenger or hit by a rideshare driver? Several policies may apply. Here is which one pays.
- Personal injury
- August 20, 2026
- 5 min read
- Written by our team
After a rideshare crash, the hardest question is often which insurance pays. With Uber and Lyft, the answer depends on what the driver’s app was doing at the time of the crash.
It depends on the app status
App off — the driver’s personal insurance applies
App on, waiting for a ride — limited rideshare coverage applies
On the way to a rider, or during a trip — the rideshare company’s larger policy generally applies
Whether you were a passenger, another driver, or a pedestrian, more than one policy may come into play. Do not give a recorded statement before you understand which coverage applies to you.
Tell us what happened and we will help sort out the coverage, for free.
This article is general information, not legal advice. Every situation is different. If you have questions about your own case, call us at (760) 338-9712.
