Both Uber and Lyft have $1 million insurance policies that apply to crashes that occur when the driver is in transit with a passenger in the vehicle. If you are an injured passenger, this insurance policy should cover your medical bills regardless of who was at fault for the collision. If the insurance policy does not cover you (as an Uber/Lyft driver or a third party), however, you may have to take other actions to obtain compensation for your damages.
By default, Uber and Lyft will not be responsible for the actions of their drivers. Both companies classify their drivers as independent contractors, not employees. This can make it difficult to hold the rideshare company accountable for negligent, reckless, or dangerous Uber or Lyft drivers. They may, however, be responsible for crashes that stem from the company’s negligence. If the company reasonably should have prevented a dangerous driver from accepting passengers, for example, Uber/Lyft may be liable for a related accident. Determining fault and liability may take assistance from a Los Angeles Uber and Lyft accident attorney.