Uber and Lyft provide insurance coverage for their drivers and passengers in the event of a hit and run. However, the specifics of insurance coverage can vary based on the state and the driver’s status at the time of the incident. It’s important to note that insurance policies and regulations may change, so it’s advisable to check the latest information on the official websites of Uber and Lyft or consult with a legal professional. Here’s a general overview:
uber
Uber typically provides the following insurance coverages:
Contingent Liability Insurance:
- This coverage may apply if a hit and run driver is at fault, and their insurance is insufficient or nonexistent. It covers bodily injury and property damage.
Uninsured Motorist Coverage:
- This coverage may apply if the at-fault driver is uninsured or underinsured. It covers bodily injury for the driver and passengers.
Underinsured Motorist Coverage:
- Similar to uninsured motorist coverage, this applies when the at-fault driver has insurance, but it’s insufficient to cover the damages.
Uber’s insurance coverage is contingent, meaning it only applies when the rideshare app is active, and the driver is in the process of providing a ride or waiting for a trip request.
lyft
Lyft also offers insurance coverage for hit and run incidents, and it includes:
Contingent Liability Insurance:
- Like Uber, this coverage applies when the rideshare app is on, but the driver is not on an active ride. It covers bodily injury and property damage if the at-fault driver is uninsured or underinsured.
Uninsured/Underinsured Motorist Coverage:
- This coverage applies if the at-fault driver is uninsured or underinsured, and it covers bodily injury for the driver and passengers.
Lyft’s insurance coverage is contingent on the driver’s status in the app, and it generally becomes primary when the driver accepts a ride request and is actively transporting a passenger.
It’s crucial to review the terms and conditions of Uber and Lyft’s insurance policies for the specific state in which you are located, as insurance regulations can vary. Additionally, individual insurance requirements may be subject to change, and staying informed about the latest updates is essential for drivers and passengers alike. For the most accurate and up-to-date information, refer to the official websites of Uber and Lyft or consult with a legal professional.
Depending on the policy terms, you may have coverage to initiate a claim for bodily injury in a hit-and-run. It is recommended to notify each insurance carrier as soon as possible, including your own carrier, to put each on notice. In addition, file a police report so that the police may do their investigation, so as to try to ascertain the identity of the hit and run driver, before having to proceed in a first party claim against Uber or Lyft’s rideshare insurance company.
Lastly, it is highly recommended, if pursuing uninsured motorist coverage, to determine if the policy limit is a single combined limit. More specifically, you may be sharing the policy limit with another party, like another Uber or Lyft rider or driver, if they are also bringing a bodily injury claim. Consult with one of our rideshare attorneys to get a grasp on your rights when involved in a Uber or Lyft accident.
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