Both Uber and Lyft provide liability coverage for their drivers, and the two ridesharing companies have adopted similar policies, with insurance coverage that varies depending on the time of the accident.
Period A: If the driver is not logged into the Uber or Lyft app, The companies provide no coverage
Period B: If the driver is logged into the app but has not yet initiated a ride request, Uber and Lyft provide liability coverage for any accident that is the fault of the driver. This provides up to $50,000 per person, $100,000 total injury liability per accident and $25,000 property damage liability.
Period C: If the driver has accepted a trip and is on the way to picking up the customer, the liability coverage increases to $1 million.
Period D: While the customer is still in the car until they are dropped off. This liability coverage goes up to $1 million, including limited coverage for damage to the driver's car, and also uninsured motorists' coverage (UM/UIM).