Rideshare Insurance for Passengers

As ridesharing services, like Uber and Lyft grow in popularity, more people ask whether they are covered as passengers in case of a collision. In this article, we look at the most frequently asked questions regarding passenger coverage in such instances. State and local policies and regulations for these popular services have become more clear over the years, and passengers are better protected now. 

The Uber website informs us that the company:

  • Offers comprehensive coverage to its drivers while on its platform.
  • Provides $1 million liability insurance to third parties “from the moment a driver accepts a trip to its conclusion.”
  • Since 2013, coverage includes $1 million dollars of uninsured/underinsured motorist bodily injury coverage per incident.
  • And Uber drivers must have collision insurance coverage while not on an Uber trip. 

Lyft, Uber's main competitor, also offers coverage for drivers using its platform with policy and terms very similar to Uber's. Detailed coverage information is available to drivers on Lyft’s website.  

Passengers should verify that drivers are using the app while on the job so that all riders are protected in case of an accident.

What to do if there’s a collision?

If you experience an accident while using the service of one of these businesses, follow the same steps as if riding in a taxi or driving a private vehicle. Even when there are no injuries, it’s advisable to call 911 and wait for help to arrive. Have a medical professional confirm you’re okay, and then take down the following information:

  • Name, address, telephone numbers, and driver’s licenses of all drivers involved
  • License plate numbers of all vehicles involved
  • Insurance company names
  • If there were any witnesses, ask for names and contact information
  • Take photos of the collision, and keep all this material handy in case it’s needed

Do Uber and Lyft drivers need commercial auto insurance?

Drivers considering joining one of the ridesharing businesses should be aware that their current auto insurance may not be adequate. While Uber’s website does not specify whether or not commercial auto insurance is required of its drivers, transporting passengers is a professional service. Therefore, it’s advisable to obtain a commercial auto policy or commercial use endorsement to protect you and your passengers in the event of an accident.

Infinity Auto Insurance provides competitive rates and plans for diverse businesses and services. Since all states don’t have the same requirements, call one of our friendly agents to help with precise information about the type of policy necessary to protect passengers and yourself. Visit our Commercial Auto Insurance section to gain more insight.

Call us today at 1-800-INFINITY or visit our website to receive a free quote in minutes.

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