At Telaré Law, our Kennewick lawyers understand the complex issue of insurance coverage for an Uber or Lyft accident. The following insurance policies are used to pay for your damages – depending on how the accident happened. The liability insurance of any responsible driver. All drivers, whether they are rideshare drivers or not, are required to have minimum liability insurance in the following amounts: $25,000 for injuries or death to one victim $50,000 for injuries or death to multiple victims in one accident $10,000 for property damage Drivers should buy the maximum amount of insurance they can afford. Drivers who use their vehicle for a transportation network company such as Uber or Lyft are required to have higher “commercial” liability insurance amounts in some Washington locations. The higher amounts are: $100,000 for injuries or death to one victim $300,000 for injuries or death to multiple victims in one accident $25,000 for property damage Uber and Lyft insurance. Uber and Lyft are required to have the following insurance coverage: Before a ride is accepted. $50,000 per person for bodily injury, $100,000 per accident, and $30,000 for property damage. After a ride is accepted until the passenger is discharged. “Combined single limit liability coverage in the amount of one million dollars for death, personal injury, and property damage,” and “underinsured motorist coverage in the amount of one million dollars.” Uninsured/underinsured (UM/UIM) coverage. Rideshare and accident victims may be entitled to payment for their damages from their own UM/UIM carrier – if the other insurance coverage does not compensate you fully.