Ride sharing phone apps such as Uber and Lyft have become both an easy way to get around, and a great way to make some extra money. The convenience and accessibility is second to none, but what happens if you’re the passenger in an Uber or Lyft, and the driver gets into a fender bender? What are your rights? What about if you’re the driver? How much are you responsible for?

The most simple way to put it is that Uber/Lyft drivers and passengers are protected by automobile insurance with at least $500,000 available to compensate them for any injuries sustained in an auto accident while in the Uber/Lyft. This compensation also applies to other people who are not in an Uber/Lyft but are hit and injured by an Uber or Lyft car. If a person is injured while in an Uber or Lyft, that person is eligible to recover from the Uber or Lyft auto insurance policy. There will be a minimum of $500,000 available for compensation. This also applies to drivers of Uber/Lyft vehicles when they are engaged in an active ride or en route to an active ride.

Passengers and drivers of Uber and Lyft vehicles will always be afforded Full Tort coverage which allows individuals to sue in court for all damages including pain and suffering. Additionally, pedestrians, cyclists and other vehicles may recover from Uber/Lyft insurance if an Uber or Lyft driver causes an accident that results in their injury.

Written by Jordan Lundy

Graphics by Jake Verterano