Insurance Provided by Uber and Lyft
Both Uber and Lyft provide insurance coverage to their drivers and their passengers in the event of an accident, including:
$1,250,000.00 for bodily injuries to the driver, passengers, pedestrians, people in other vehicles, and property, and
$1,250,000.00 bodily injury coverage for the driver and passengers against uninsured/underinsured motorists.
Note that in an accident where the Uber/Lyft driver is at fault, the company-provided insurance only kicks in after the driver’s coverage is exhausted. This will depend greatly on the amount and type of coverage the driver has at the time of the accident, so you may need to file a claim with both the driver’s insurance and Uber or Lyft’s insurance company.
But what if you’re in an accident as a passenger in an Uber or Lyft and it wasn’t your driver’s fault, but another driver was at fault? In that case, you would be required to file a claim with the at-fault driver’s insurance company to recover damages for any injuries you’ve sustained. Failing that, you would need to file a lawsuit for personal injuries. This also applies if the accident was caused in some way by a municipality, such as by a city’s failure to maintain a safe roadway.
What about uninsured or underinsured motorists? Although most states require drivers to have an insurance policy in place on their vehicles, as many as one in eight drivers are uninsured. While it is certainly possible to be injured as an Uber or Lyft passenger by another driver who is uninsured or underinsured, Uber and Lyft do provide coverage for this eventuality, as noted above. This coverage would also apply to you, as a passenger, if the driver of the other vehicle is unknown, such as in a hit-and-run collision.
 Note that this figure applies to Uber and Lyft drivers in New York State. Your state may require less coverage.