How Uber and Lyft’s own insurance policies work: Period 1, 2 and 3 coverage, limits, and what drivers are responsible for.
Your car just died on a Tuesday. The mechanic calls with a repair quote that looks like a phone number, and your next rent payment is not going to wait. You drive past the Enterprise lot on the way home…
Picture this. It is 11:40 on a Friday night and you are parked across the street from a concert venue, Lyft app open, watching the surge map pulse while you wait for your first ping of the night. A tired…
When a crash happens during an Uber trip, the question everyone asks is who pays. The answer depends on two things: who caused the crash and what the driver’s app was doing at that exact moment. During an active trip,…
Uber applies a $2500 deductible to the contingent comprehensive and collision coverage it provides while you are en route to a pickup or on a trip with a passenger. That means you pay the first $2500 of any damage to…
Uber and Lyft insurance coverage follows your app status, not your intentions. When the app is off, your personal auto policy is the only coverage in play. When you switch the app on and wait for ride requests, the platforms…