If you are in an accident as an Uber or Lyft passenger or as the driver of another vehicle, the lawsuit will not necessarily be applied to the employer. Both Uber and Lyft will claim that their drivers are independent contractors and they are not liable for any accidents. Uber and Lyft require that the driver’s personal policy is to be used before their insurance coverage is activated. Once this insurance is exhausted or if the carrier denies the claim, the Lyft or Uber policy may come into play. An attorney with extensive knowledge of Uber and Lyft and how they operate in claims can determine liability in your case. The goal is to recover full compensation for damages.