When an Uber or Lyft is in a crash, liability depends on who caused the accident and which insurance policy was active. In California, the driver’s app status at the moment of impact is key.
How coverage changes by app status
Which insurance applies depends on what the driver was doing in the app when the crash happened. Rideshare insurance in California is tiered by activity:
- App off: The driver’s own car insurance covers the accident.
- App on, waiting for a ride: Uber or Lyft adds limited coverage: at least $50,000 per person, $100,000 per crash for injuries and $30,000 for property damage.
- Driver on the way to pick up or driving a passenger: Uber or Lyft’s full commercial insurance applies with up to $1 million in coverage plus protection if the other driver has no or too little insurance.
These rules follow California’s at-fault system which decides who pays based on who caused the crash. Under Proposition 22, rideshare drivers are considered independent contractors, not employees and get a special type of accident coverage instead of regular workers’ comp.
Who may be liable
Liability in a rideshare accident can extend beyond the driver alone. More than one party could share fault:
- Rideshare driver: For speeding, distraction or unsafe driving.
- Another driver: If they caused the collision.
- Uber or Lyft insurer: If the app was active.
- Other parties: Such as a vehicle manufacturer, repair shop or public agency responsible for unsafe road conditions.
California’s comparative negligence law can reduce or divide compensation based on each party’s share of fault.
Evidence that helps your claim
Good documentation strengthens your case and speeds up coverage decisions. Gather the following as soon as possible:
- App records: Screens showing your app status, trip ID or route map.
- Scene documentation: Photos, videos, witness contacts or the police report number.
- Medical records: Immediate and follow-up evaluations.
Early evidence helps confirm which policy applies and supports your claim for damages.
Getting guidance on next steps
Because Uber and Lyft drivers are independent contractors, the companies aren’t always responsible when a driver causes a crash. Still, their insurance covers people hurt in an accident when the app is on.
If you’re hurt in an Uber or Lyft accident, it is recommended to talk to a California personal injury lawyer. They can explain your coverage, save important app evidence and make sure you don’t miss any claim deadlines.