In most cases, rideshare drivers carry insurance provided directly by their employer. Uber and Lyft, for example, both provide up to $1 million in coverage for personal injury and property damage claims. If you are injured as a passenger in one of their vehicles, you may be able to file a claim under these insurance policies. Coverage depends on the circumstances surrounding the accident. It largely depends on if the driver was engaged in job-related tasks at the time of the accident.