Since Uber & Lyft drivers use their own vehicles, they are required to meet Oklahoma’s minimum insurance requirements, which are: Bodily injury insurance for one person: $25,000 Bodily injury insurance for multiple people in one accident: $50,000 Property damage insurance for one accident: $25,000 Uber & Lyft also have insurance coverage for riders and passengers – up to $1 million in coverage – but there are a few conditions that must be met for the coverage to apply. The driver must be logged into the app for this coverage to kick in. If the driver is logged in but has not accepted a ride, the coverage is: $50,000 for bodily injury $100,000 for multiple injuries in one accident $25,000 in property damage. If the driver has accepted a ride, the coverage is $1 million. Most drivers of Uber or Lyft vehicles are considered independent contractors and not employees. Generally, employers are liable for the negligence of their employees but not for the negligence of their independent contractors – unless there’s an exception. Fortunately, there is such an exception. In Oklahoma, Uber and Lyft are required to carry liability insurance for their drivers. The insurance should cover any passengers in the Uber or Lyft vehicle. The insurance should also cover drivers or passengers in other vehicles, as well as pedestrians and bicycle riders. Again, any eligible coverage applies to both the passengers and anyone else who is injured or killed by the driver.