Uber provides $1,000,000 in third-party liability coverage, underinsured/uninsured bodily injury coverage and both comprehensive and collision coverage:
Bodily injury coverage: $50,000 per person/$100,000 per accident
Property damage liability: $25,000 per accident
These, combined with the personal auto coverage from the rideshare driver, should be enough to cover your damages.
In order to eligible for coverage for an accident that has happened, the Uber or Lyft driver must have had the app on “Available,” and was:
En route to pick up a passenger
Awaiting a ride request
Transporting a passenger in their vehicle
If an Uber or Lyft driver is offline when an accident occurs, then the personal insurance company for the Uber driver will cover your damages, and you must file a claim with them, not Uber or Lyft.
If you were a passenger in an Uber vehicle and you were injured but don’t have your own personal car insurance coverage, then Uber will provide medical benefits to you.