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Are UBER and Lyft Insured if You’re Injured in a Car Wreck?

E-hail ride sharing services like UBER and Lyft are super convenient. You just download their app, enter your pick-up location and credit card information, and a driver will pick you up and take you where you need to go.

But what happens if your super convenient UBER or Lyft driver is involved in a car crash and you are injured? Who pays for your injuries?

UBER and Lyft Carry $1 Million Coverage Per Accident

You may be covered. Each company carries $1 million per accident to protect passengers and others in the event that one of their cars is involved in a car wreck.

And depending on the circumstances of the accident, there might be other coverages available to you if there are delays or problems with the primary coverage. In some instances the at-fault driver’s liability insurance may kick in.

Lots of ifs.

UBER and Lyft Accident Coverage vs. Taxi Coverage

UBER and Lyft, in most instances, carry higher liability than is typical of taxis in most cities. Take the $1 million per incident insurance limits and compare them to those of taxis in three of America’s largest cities. Wallet Hub, a social media company that compares financial products, offers these comparisons:

  • Chicago taxi: $350,000 per incident
  • Los Angeles taxi: $750,000 per incident
  • New York City taxi: $100,000 per person; $300,000 per incident

What if the At-Fault Driver is Uninsured?

If you are injured by an uninsured or underinsured driver, UBER and Lyft carry a $1 million policy limit, to help try to ensure that your medical expenses are covered.

If you are injured as a passenger in a taxi cab, you may file a claim with the insurance company of the taxi driver. You may be limited, however, to the policy the driver is covered under. If the taxi cab driver does not have uninsured motorist coverage and you do not have your own personal uninsured motorist coverage, then pursuing compensation can be difficult.

Using a Lawyer Could Potentially Triple Your Compensation2

Studies have shown that, on average, car accident victims who hired a personal injury lawyer to represent them received three-and-a-half times more compensation for their loss than they would have on their own.3

While using the new e-hailing services, like UBER or Lyft, or using a traditional taxi is a personal matter of choice, if you end up in a car wreck, we believe it’s in your best interest to contact an experienced personal injury lawyer immediately.

Based on our experience, it can be hard enough for accident victims to try to get compensated fairly from their own insurance companies, let alone, dealing with other insurance companies.

North Carolina Personal Injury Lawyers May Be Able to Help

  • In 2015, alone, we recovered over $75 million (gross) for over 2,700 clients.1
  • We have recovered over $600 million (gross) for over 30,000 clients since 1997.1
  • These numbers don’t include the $1.25 billion we helped recover against the U.S. government for 18,400 claimants in a historic class action case.5
  • We’ve done this because we have quality professionals – many who’ve worked on the “other side” (insurance companies). Over 35 attorneys. Over 100 staff. Seven attorneys board certified in North Carolina in their fields – a differentiator that fewer than 4%4 of North Carolina attorneys can claim.

If you’re injured while riding in a cab or UBER or Lyft,  contact us 24/7, or call 1-866-900-7078. We will evaluate your situation for FREE over the phone or online.


3 Insurance Research Council 1999

4Percentage calculated from figures supplied by the North Carolina State Bar, through December 31, 2015.

5Re Black Farmers Discrimination Litigation, the Law Offices of James Scott Farrin led a team of firms to recover $1.25 billion for African-American farmers from the U. S. government for discrimination.