The insurance coverage provided by Uber or Lyft is not limited to other drivers that are injured in a collision. If you are a passenger in a rideshare vehicle and are injured in an accident, you are also covered by these policies. Due to the way rideshare insurance works, any time you enter a vehicle as a passenger you are covered by up to $1 million by the company’s insurance policies. This policy could cover any damages stemming from your personal injuries as well as any of your property that was damaged in the collision.