If you are in a crash with an Uber or Lyft, the insurance coverage is different from a regular car crash — and it can make a big difference in your recovery.
In New York, Uber and Lyft drivers have different levels of insurance depending on what they’re doing in the app:
• App Off: Only the driver’s personal insurance applies.
• App On, No Ride Yet: Limited coverage of about $75,000 per person.
• Ride Accepted or Passenger in the Car: Up to $1.25 million in coverage for injuries and uninsured/underinsured motorist protection.
This means that in many cases, there’s more insurance available than you might think.
Why Intake Matters
At first, it is not always obvious a rideshare was involved. You might not know unless you ask or notice the Uber/Lyft decal on the windshield. That’s why it is important for your lawyer to ask the right questions from the very beginning.
The Bottom Line
Rideshare crashes can unlock stackable insurance policies that go beyond the driver’s personal coverage. This can mean the difference between limited help and full compensation for medical bills, lost wages, and long-term needs.
At New York Injury Law, we know how to uncover every available policy to make sure our clients get the justice they deserve.
