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How to Handle Insurance After an Uber or Lyft Accident

Harry Campbell The Rideshare Guy
January 6, 2022

Getting in an accident can be a terrifying experience—whether you sustain injuries or not. But what happens after the accident, when you have to deal with insurance? Here are the steps you need to take after the accident.

Buckle has partnered with Harry Campbell, founder of TheRideshareGuy.com, to provide our Members with the very best tips, tricks, and news to help maximize their income as a rideshare and delivery driver.

Getting in an accident can be a terrifying experience—whether you sustain injuries or not. But what happens after the accident, when you have to deal with insurance? Let’s go through what you should do after an accident, including how to handle insurance, who to contact and more.

Getting insurance as a rideshare driver

First of all, please understand that your personal experience may vary from the advice below, depending on the circumstances and depending on your insurance that you personally hold—some insurance companies will handle everything for you, whether you were at fault or not, and whether you were actively driving for rideshare or delivery services at the time of the accident. 

Obviously we are fans of Buckle but if you’re in a state where they don’t operate you can find a list below of insurance agents by state that are familiar with rideshare insurance and can help you find the best, most comprehensive auto insurance and rideshare coverage.

Click here to visit the Rideshare Insurance Marketplace

Most importantly, if you’re using your car for rideshare or delivery services, you should have rideshare insurance. Most companies will call it a rideshare endorsement that they will add to your plan. 

How Insurance as Rideshare Drivers Works

The time that you’re driving for any rideshare app is split up into 3 periods:

  • Period 1 occurs when you have the app turned on but haven’t accepted a ride.
  • Period 2 occurs when you’ve accepted a ride and are en route to pick up the rider.
  • Period 3 occurs when you have the rider in your car.

Uber and Lyft only cover rideshare drivers during Periods 2 and 3 (collision and liability). Period 2 starts once you accept a ride request and are en route to your passenger, and Period 3 starts once your passenger gets into your car. But when you’re online and waiting for a request during Period 1, you have no collision coverage from Uber or Lyft and much lower liability limits.

As a rideshare driver, you’re most at risk during Period 1, since you won’t get any collision coverage from rideshare companies and your personal insurer won’t cover you during this time either—unless you add that rideshare endorsement to your policy

If you get into an accident with Lyft or Uber during periods 2 or 3, you’re covered – but you are subjected to the platforms’ $2,500 deductible. This means you have to pay $2,500 before Lyft insurance will kick in, depending on what type of additional auto insurance policy you have.

In both Uber and Lyft’s app, there’s an option to file a claim if you got in an accident during an active trip, or if it occurs while you’re on the app, but not on an active request, you can go under the help tab to file a claim within the app:




With Lyft, their website states (at the writing of this article): “For your claims process, you can expect to work with one of the following companies: Allstate Insurance Company (North Light Specialty Insurance Company), Liberty Mutual Insurance, Mobilitas Insurance Company, Progressive (United Financial Casualty Company), or Travelers (Constitution State Services).”

Uber maintains similar insurance while you’re actively giving rides. 

In the event that you do get into an accident, the first thing you should always do is call the police. If you are uninjured, it would be a good idea to check on the other person involved in the accident to make sure they don’t need an ambulance.
While you’re waiting for the police to arrive, you should take pictures of the accident and save them for reference. The police may need them to help determine who is at fault and insurance may want them for referencing throughout your claim process. 

At-fault vs no-fault

Another consideration is whether or not you are in an at-fault or a no-fault state. 

With at-fault accidents, the insurance claims are typically handled on the side of whomever was at-fault for the accident. If you were the one at fault, you will need to file with your personal insurance as well as Uber/Lyft’s. 

If the other party is at fault, you may still want to go through your own insurance so they can do the heavy lifting for you in terms of settlement and deductibles. 

If you are in a no-fault state, both parties will likely need to file claims individually. And, again, this is where a rideshare endorsement on your insurance would come in handy. If your insurance gets wind of you driving for commercial reasons (driving for hire) without an endorsement, you may get dropped and lose all coverage, and not just in terms of this accident. 

Rideshare vs delivery coverage

A final piece of the puzzle to keep in mind is that rideshare and delivery insurance are not always one and the same. It’s more commonly talked about for rideshare drivers, because you have higher risks with transporting people. 

But delivery drivers may need extra coverage as well. The reason for this? It’s because you’re still using your personal vehicle to do business. 

If you work for either one or both, you should talk with your insurance agent to make sure you’re covered at all times. 

Harry Campbell is a former Boeing Aerospace Engineer and founder of TheRideshareGuy.com, a blog, podcast and Youtube channel for ridehail drivers and other gig workers and author of, The Rideshare Guide. Over the years, Harry has covered the gig economy industry closely and talked to tens of thousands of drivers and gig workers about their experience on the road.

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