Who Pays For Uber and Lyft Insurance
- Home /
- Who Pays For Uber and Lyft Insurance
Uber and Lyft, the popular ride-sharing apps that permit private car owners to shuttle passengers for pay, are both challenging local, state and federal auto and insurance regulations.
The two California-based technology companies are besieged by lawsuits in too many jurisdictions to count.
The legal issue at stake is what insurance policy will cover an Uber or Lyft driver who becomes involved in an accident while working, but not carrying passengers.
However, Uber and Lyft only provide insurance coverage to drivers when a passenger is in the car. If the driver is involved in an accident on the way to a call or while waiting for a call, then the companies do not provide coverage.
Unfortunately, the drivers personal insurance coverage will not apply if the driver has the app on and is waiting to pick up riders. Personal insurance companies state that the driver is engaging in commercial activity, and commercial activity is not covered under most personal insurance plans.
Uber, Lyft & Major Insurance Companies Reach Agreement
While legislators all over the country are trying to figure out how to make up the gap coverage issues that have been identified, the two technology companies have been quietly working to come up with a viable framework.
Major insurance companies, along with several trade groups, have cobbled together a legislative proposal backed by both Uber and Lyft.The proposal mirrors a law that will take effect in California beginning July 1, 2015.
The California Department of insurance has worked with the insurance companies in the state to create policies to address what is being called Period 1. Period 1 concerns that time that a personal driver is not carrying a passenger, but the app is still on.
The new law, AB2293, will require personal policies to set out minimum insurance coverage for Period 1. The minimum coverage rates include:
- $50,000 minimum for injury to a single person
- $100,000 minimum for injury to multiple persons
- $30,000 minimum for property damage
It is vitally important that these insurance coverage issues are resolved in a manner that keeps residents of Arizona safe. Phillips Law Group attorneys are paying close attention to these issues, in order to better serve car accident victims.
If you or someone you love has been involved in an auto accident involving an Uber or Lyft driver, contact a personal injury attorney in Phoenix, AZ today for a free consultation.
Call 1-800-706-3000 .
Free Case Evaluation
By submitting your contact information, you agree that we may contact you by telephone (including text) and email in accordance with our Terms and Privacy Policy

Your message has been sent
Thank you for your message, we will get back to you soon.
Categories:
- Auto Accidents
- Business Litigation
- Class Action Lawsuits
- Defective Drug
- Defective Products
- Employee Rights
- Employment Law
- Firm News
- Local
- Medical Malpractice
- Motorcycle Accidents
- Nursing Home Abuse
- Pedestrian Accident
- Personal Injury
- Premises Liability
- Product Liability
- Slip and Fall
- Social Security Disability
- Workers' Compensation
- Wrongful Death
-
Jasmine Delgado is an amazing paralegal. She was patient, kind and extremely knowledgeable. Highly recommend Phillips law group
-
Jeffrey Phillips is truly a brilliant attorney and businessman. I would not hesitate for a moment to contact him if I needed a personal injury attorney in Arizona, you would be fortunate to have him and his team. If you have a car accident, slip and fall in a store, or get punched in the face, call Phillips.
-
It’s an Honor and a Privilege to work for a company that cares about its employees and clients for 12 years. I’ve seen Management go out of their way to help someone whether it’s a personal matter or work related. I am also reminded of many occasions where a Client needed urgent help and we as a Team were able to get the person immediate assistance. At Phillips Law we make that happen through Teamwork and a dedication to our profession. I’ve had numerous jobs in several other fields, those were just jobs. This is a home. Many of us have been here for quite a few years, it feels like one large extended family.
-
Jasmine , did a great job . Highly recommend!!!!!
-
Definitely recommend! Awesome
-
If you are in need of legal support for a motor vehicle collision of any kind, I highly recommend going to Phillips Law Group Injury Lawyers. Sean Davis has exemplary knowledge and experience in this field, compassion for his clients, and excellent judgment and communication skills.
-
My review is for Kathy Hudson a legal assistant at the law firm. She is great! She is very professional and a fair based person. She was never rude to me and always called me back. She listened to me and had my best interest as number 1. Mr Nasir who is a supervisor at law firm also was very professional and helpful. Not sure if spelling his name correctly but sorry if not. As far as mr Ross and the lady that runs the front desk reception I would say they are the most unprofessional and rude people I have met at a law firm in my life especially beings they were representing me. But Kathy made it overall a better experience. Thx Kathy.
-
PLG is the best! Highly recommend. Love that they do so much to help the community.
-
Great company and awesome service. Thanks Caroline fabos. Kudos to all.
-
I want to thank attorneys Tim and Robert and the paralegal Bethany for all they had done on my case. They were all empathetic, knowledgeable and professional. All my questions were answered, emails returned in a timely matter, and promises fulfilled. I recommend Phillips Law Group if you need help with your injury case.