What happens if you are injured in an Uber or Lyft accident? Chris Kreeger explains that the rideshare company’s insurance covers you when the driver is on the app. If the driver is off the app, the driver’s own policy applies, so a passenger is probably protected either way.
Chris Kreeger on Who Covers Passengers in an Uber or Lyft Crash
If you are injured while on app, you’re covered by Uber and Lyft’s insurance. If you’re not on app, then you’re covered by the driver’s insurance. Either way, you’re probably protected as a passenger in the car.