Uber/Lyft Car Accidents in Parker

Who is Covered by Rideshare Insurance?

Lyft and Uber use drivers who transport passengers in their personal vehicles and have liability insurance on those vehicles. When a driver is involved in an accident on their own time, the driver’s personal liability insurance will apply. This means, an injured claimant could seek damages up to the limits of the driver’s personal policy.

On the other hand, if a Parker driver is logged into Uber or Lyft at the time of a collision, the ridesharing service’s insurance policies are in effect and will cover damages for their at-fault driver. However, the liability limits for this situation are fairly low: $50,000 for bodily injury of one person, $100,000 aggregate for bodily injury of more than one person, and $25,000 for property damage.

Furthermore, once a driver has accepted a ride, the rideshare service’s more generous coverage applies. This insurance provides $1,000,000 in liability coverage for death, injury, and property damage for passengers and others who suffer damages in an accident that occurs between the moment a driver accepts a ride request on the app until the ride is complete. A hardworking local lawyer representing an injured person might subpoena the rideshare service’s records to determine the driver’s status at the time of the accident.