Insurance Coverage for Uber & Lyft Passengers

Ride-hailing companies Uber and Lyft each provide $1 million in commercial liability coverage to protect passengers and others in case of an accident caused by one of their drivers. This coverage is similar to the commercial insurance policies that taxi drivers are required to carry, but with higher limits of liability than is typical in most cities. For example:

This should give you peace of mind that if you are harmed in an accident when riding in an Uber or similar vehicle, your medical bills will be covered.

But depending on the circumstances of the accident, your injuries may be covered by another source of insurance. In some cases, more than one type of insurance may apply, with the at-fault driver’s liability insurance providing primary coverage and other forms of insurance filling in any gaps. If you have health insurance or a MedPay policy on your auto insurance, they can also serve as additional sources of coverage if there are delays or other problems with the primary coverage.

The table below breaks down the details of the auto insurance that protects passengers.

Are you a driver, not a passenger for one of these services? Read about ride-hailing insurance for drivers.

If You’re Injured In An Accident

Even if you don’t think you have been hurt, get insurance information from all parties involved. If you are injured, seek medical care immediately, and give the health care provider the auto insurance details you collected at the scene, plus the details of your own health insurance policy. Then contact the driver’s ride-hailing company (details in the table below). WalletHub has more advice about what to do after any car accident.