Passengers who have been injured in a car accident are protected under Georgia law, which means they have the legal right to recover compensation for their losses. If you were riding with a noncommercial driver who was at fault for the crash, you would usually file an insurance claim against the driver’s personal auto liability policy.
However, most personal auto insurance policies don’t cover accidents that occur when a vehicle is being used for commercial purposes (unless the driver has purchased their own commercial policy). If a driver is transporting a paying passenger through an Uber or Lyft app, they are using their vehicle for a commercial purpose.
Fortunately, Uber and Lyft provide liability insurance to their drivers that covers them as soon as they log into their apps and are available for ride requests. That means a passenger can file a claim against Uber/Lyft if they’re injured as a result of the driver’s negligence.