Uber and Lyft Accidents in New York: Whose Insurance Pays?

Coverage Depends on the App Status

Whether the driver was offline, waiting for a ride request, or actively transporting a passenger determines which coverage applies. During active trips, large commercial policies are typically in effect.

Passengers Are Usually Well-Protected

Injured rideshare passengers generally have access to substantial coverage, but multiple insurers may point fingers at one another, complicating the claim.

No-Fault Still Applies

New York's no-fault system covers occupants of rideshare vehicles for initial medical bills and lost wages, just as in any car.

Sorting It Out

Because rideshare claims involve overlapping policies and corporate insurers, having an attorney untangle coverage can be the difference between a denied claim and full compensation.