In Georgia, Uber and Lyft have insurance policy limits that provide coverage based on certain factors. Specifically, when a driver’s app is turned off, Uber and Lyft provide no coverage, which means the driver’s personal insurance policy applies to any claims. Both Uber and Lyft require all drivers to have personal auto insurance liability coverage.
When the driver is logged into the app and is available for ride requests, Uber and Lyft have insurance policies that cover accidents if the driver’s personal policy doesn’t apply. (As discussed, most insurance companies won’t provide coverage under a personal auto policy if they determine the driver was using the vehicle for a commercial purpose at the time of the accident.) Uber/Lyft’s insurance coverage is limited to $50,000 per person and $100,000 per accident in bodily injury and $50,000 for property damage.
When the driver has accepted a trip and they are either picking up riders or transporting them, Uber and Lyft must provide up to $1 million in liability coverage and $1 million in uninsured/underinsured motorist (UIM) coverage. O.C.G.A. § 33-1-24.