Both Uber and Lyft require their drivers to have insurance. Drivers working for these ridesharing apps must maintain auto liability insurance policies that meet their state’s minimum requirements.
Additionally, both companies provide insurance coverage whenever the driver switches on the app. If you were hurt in a crash caused by an Uber or Lyft driver, you may want to work with a rideshare accident attorney. Determining which insurance coverage was in effect when a collision occurred can be challenging.
How Much Coverage Must a Driver Have When Not Working for the Rideshare Company?
According to the Louisiana Department of Insurance (LDI), the minimum requirements for drivers in Louisiana center on ensuring all motorists have liability coverage for any vehicles they own. This is the policy that would pay out to cover the losses and expenses incurred by a victim of a collision the policyholder caused.
Louisiana uses the 15/30/25 liability limit rule. This means that drivers are generally covered for up to:
- $15,000 for bodily injury to an individual
- $30,000 for bodily injuries to multiple people per accident
- $25,000 to cover property damages
When someone gets hurt in a crash or their vehicle sustains damage, they can file a claim based on the at-fault driver’s liability coverage. Like all other drivers in the state, rideshare drivers must have a personal policy to cover at least these minimum limits.
This policy is in effect when they are not working and is the primary policy when they are on the app but not matched with a rider.
Lyft and Uber’s Insurance Policies
Both Lyft and Uber provide all drivers with liability coverage for some parts of their trips. This includes contingency coverage before they match with a rider and primary coverage after.
Lyft’s Insurance Coverage
Lyft provides coverage any time the driver is on the app, although it is active only when their personal auto insurance is not available under some circumstances. When they switch on the rideshare app, and the driver is waiting for a ride request, Lyft provides third-party liability insurance if the driver’s personal insurance is not applicable. The coverage amounts are as follows:
- Bodily injury – $50,000 per person
- Bodily injury – $100,000 per accident
- Property damage – $25,000 per accident
When the rideshare driver has a rider match, the company provides insurance for accidents. This is true when the driver is going to pick up passengers and when transporting them. The coverage details are as follows:
- Auto liability insurance up to $1,000,000: Auto liability insurance is meant to cover the bodily injuries and personal property damage of someone other than the driver – for example, a rider or another motorist sharing the roadway with a Lyft driver’s vehicle.
- Uninsured or underinsured motorists: The insurance Lyft provides can cover injuries sustained by the driver and passengers if an uninsured or underinsured motorist causes an accident.
- Contingent comprehensive and collision insurance that covers the determined cash value of the vehicle: This only applies if the driver has a personal auto insurance policy that includes comprehensive and collision coverage. Contingent collision and comprehensive insurance cover any damage to the driver’s vehicle up to its total cash value, not including the deductible.
Uber Provides Similar Coverage
According to Uber, their insurance coverage is very similar to the policies provided by Lyft and other rideshare companies.
- If the driver is offline, the driver’s personal insurance is applicable.
- If the driver is available for a request, Uber provides contingency insurance coverage
- The company provides a large primary liability policy when the driver has a rider match or rider in the vehicle
Uber’s contingent liability insurance covers:
- Bodily injury up to $50,000 per person
- Bodily injury up to $100,000 per accident
- For a single accident, up to $25,000 for property damage
If an accident occurs while the driver is en route to pick up their passengers or during the ride, Uber provides the following insurance coverage:
- Up to $1,000,000 in liability coverage for victims
- Uninsured or underinsured motorists coverage
- Comprehensive and collision insurance that covers the cash value of the vehicle
What to Do After a Rideshare Accident in Louisiana
If you were in an accident with a rideshare driver, focus on safety and wellbeing first. If you suffered injuries, seek medical treatment immediately. If necessary, call 911 and file a police report. If you can, it is helpful to document the accident with photos of the property damage and/or injuries for insurance purposes.
If you were in an Uber or Lyft when the accident occurred, you almost certainly qualify to seek damages. As a passenger, it is improbable that you were at fault for the accident. However, having a ridesharing service involved can complicate your case. That is why an attorney from our firm may be invaluable for handling your claim.
You may also be able to seek compensation if:
- The rideshare driver collided with your vehicle.
- You were a pedestrian hit by an Uber or Lyft driver.
- A rideshare driver caused your injuries in some other way.
Time Limits for Filing a Rideshare Accident Lawsuit
You may only have a year to sue based on the facts of a Louisiana rideshare accident case, according to statute CC Art. 3492. As such, we encourage you to act quickly if you want legal help in your case. Ridesharing companies owe their passengers, drivers, and the general public a duty of care to adequately prevent and resolve the results of an accident, and you may be able to recover compensation for your injuries.
It can be confusing to determine whether Uber and Lyft drivers have insurance when you are in this sort of accident. Ridesharing is a relatively new industry and the companies that contract drivers still share a degree of liability, even though their drivers are using their personal vehicles.
How a Lafayette Car Accident Attorney Can Help with Your Claim
Many complications can occur when filing a claim based on a rideshare accident. Working with a law firm familiar with these insurance policies and how these services operate may be beneficial.
An attorney from our team can focus on developing the case and securing a financial recovery while you worry about undergoing treatment, healing, and getting back to your life. Our car accident lawyers also represent clients based on contingency.
Call Our Team Today to Learn How We May Be Able to Help.
If you or someone you care about was hurt in an accident caused by a Lyft or Uber driver, let Laborde Earles Injury Lawyers review your case for free today. Call our Lafayette office (337) 777-7777 now for a complimentary consultation.