Uber & Lyft Accident Guides
Know your rights after a rideshare accident. Insurance tiers, common scenarios, and jurisdiction-specific rules for 72 major metros.
Uber/Lyft Insurance Tiers (Nationwide)
App Off
Personal only
Phase 1 — Waiting
$50K/$100K/$25K
Phase 2 — En Route
$1M Liability + UM/UIM
Phase 3 — Passenger
$1M Liability + UM/UIM
72 metro guides — click any city for full coverage including local scenarios, fault rules, and victim tips.
Sources & Methodology
Insurance tiers: Uber Technologies Inc. and Lyft Inc. publicly filed insurance disclosures and Terms of Service (2024–2025). Coverage amounts reflect federal and state minimums; actual policy limits may vary by state.
Fault systems & statutes of limitations: State statutory codes as cited in each metro guide (e.g., CCP § 335.1 for California, CPRC § 16.003 for Texas). Verified against Westlaw and state legislature websites.
Accident statistics: NHTSA Fatality Analysis Reporting System (FARS) and state DOT crash databases. Population estimates from U.S. Census Bureau ACS 2022.
Common scenarios: Aggregated from practitioner experience and published appellate case summaries involving rideshare vehicles.
Disclaimer: For educational purposes only. Not legal advice. Insurance coverages, fault rules, and filing deadlines vary by jurisdiction and are subject to change. Consult a licensed attorney for advice specific to your situation.
Hurt in an Uber or Lyft Accident?
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