Rideshare Insurance Depends on Driver Status
App Off
Driver's personal insurance only. Rideshare company provides no coverage.
App On, No Passenger
Limited rideshare coverage: $50K/person, $100K/accident. Contingent on personal insurance.
Passenger in Vehicle
$1 million liability coverage from Uber/Lyft. Uninsured/underinsured motorist coverage applies.
No-Fault Still Applies
New York's no-fault law still applies. If you were a passenger, the vehicle owner's PIP insurance covers your immediate medical bills. The 30-day filing deadline still applies.
What to Do After a Rideshare Accident
Report through the Uber or Lyft app in addition to calling 911. Screenshot the ride details before they disappear. Get medical treatment immediately. Contact a personal injury attorney experienced with rideshare cases.
MAIC treats rideshare accident patients. We work with attorneys to navigate complex insurance situations. Call 866-404-MAIC.