Which rideshare insurance applies

Published by the platforms, and required of them by a state's own transportation network company statute. These are not federal law, and the limits move by state.
What the app was doing	Published third-party cover	Source
The app was off The driver was not working. Driving for nobody is ordinary driving.	Your own policy, and nothing else	Uber published driver insurance, coverage when offline
Online, waiting for a request Logged in with no ride accepted. A smaller contingent policy sits behind the driver’s own.	$50,000 per person, $100,000 per crash, $25,000 property	Uber published driver insurance, online and available
On the way to a rider, or on a trip From accepting the request until the passenger is out.	At least $1,000,000	Uber published driver insurance, en route or on a trip

Uninsured and underinsured cover in particular, so the state page decides the real number. Uber published driver insurance, state variation notice · checked 2026-09-11

Which Uber or Lyft insurance applies to my crash?

It depends on what the app was doing. Offline, only the driver’s own policy applies. Online and waiting for a request, a smaller contingent policy applies. From accepting a ride until the passenger is out, the platforms publish at least $1 million. These are published figures, not federal law.

How this works, and where the numbers come from

The three periods and their limits are what Uber and Lyft publish they carry, read from the platforms' own driver insurance pages and dated. They are also what a state's transportation network company statute requires of them, which is why the figures move when you cross a state line. They are not federal law, and this page does not present them as any.

Which period applied is a question of fact, decided by the platform's record of when the driver went online, when a request was accepted, and when the passenger got out. That record is obtainable. Until somebody asks for it, a trip receipt or a photograph of the driver's screen is the best evidence there is.

Uninsured and underinsured cover inside the on-trip period is the part that varies most by state, and it is frequently the coverage that actually matters when the other driver caused the crash and had nothing. Your state page carries what that state requires.

The other lookups, and the cases they belong to

What this is based on

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