What Types of Insurance
Coverage May Be Available

Rideshare accident claims get complex because compensation may be paid from several
different insurance sources. It depends on the driver’s status at the time of the crash and who
is to blame. Georgia law has specific insurance requirements for rideshare services such as Uber
and Lyft. See O.C.G.A. § 33-1-24.

Not logged into the rideshare app:

The driver’s own personal insurance coverage will apply. In Georgia, the minimum bodily injury liability limits are $25,000 per person and $50,000 for multiple people in an accident. The driver must also carry $25,000 in property damage insurance.

Logged in and waiting for request:

If the rideshare driver’s personal insurance does not apply, then both Uber and Lyft provide liability coverage of $50,000 per person and $100,000 per accident for bodily injury, and up to $50,000 in property damage liability.

On way to pick up rider and during trips:

Both Uber and Lyft carry $1 million in third-party liability coverage per accident. They also provide uninsured motorist coverage for bodily injury. The limits of this coverage vary by state. In Georgia, rideshare services such as Uber and Lyft are required to provide $1,000,000 in uninsured motorist coverage per accident.

If another driver was at fault for a rideshare accident, injured victims may be able to file a claim against that driver’s personal auto insurance. In those situations, that driver’s liability insurance would apply, as well as the uninsured motorist coverage available on the Uber or Lyft vehicle.