You’re biking home from work: getting exercise, saving the planet, generally working to better yourself and be active. But just before you arrive, you’re hit by a car. Later, you find out that the car that hit you was driving for a rideshare app. Who will cover the accident?
South Carolina uses a fault-based system when dealing with car accidents. This means that because the rideshare driver who hit you was distracted and caused the accident, they are responsible to pay your medical bills and damages. When you are hit by a rideshare driver, their coverage depends on personal insurance, active work status and which company they drive for.
Covering Uber accidents
- Offline or not using the Uber app: The driver’s personal insurance covers the accident.
- Waiting for a ride request: Uber’s insurance kicks in if their personal insurance doesn’t. It covers third-party liability, which is the obligation to pay for injury or damage to someone other than the driver or their vehicle.
- Bodily injury: $50,000/person, $100,000/accident
- Property damage: $25,000/accident
- Going to pick up or during a trip: Uber’s insurance covers accidents that occur when drivers are on a trip, either picking up or dropping off.
- Third-party liability: $1,000,000
- Uninsured/underinsured motorist bodily injury, which covers injury to driver and riders if the other party is at fault, but has insufficient insurance or during a hit and run
- Contingent comprehensive and collision coverage, which is supplemental to the driver’s personal insurance and covers damage to the vehicle up to its value with a $1,000 deductible
Covering Lyft accidents
- Offline or not using the Lyft app: The driver’s personal insurance is used.
- Waiting for a ride or has not accepted a request: Lyft coverage is utilized if the driver’s personal insurance does not apply.
- $50,000 limit/person
- $100,000 limit/accident
- $25,000 limit for property damage
- Ride is accepted or in progress: Lyft’s insurance is effective as primary coverage from the time a ride is accepted to when it ends on the app. If the driver carries commercial insurance or specific personal coverage for ridesharing, Lyft’s insurance works on top of that.
- Lyft’s contingent collision coverage is effective if the driver has personal collision coverage as well, covering up to the value of the driver’s vehicle or the cost of repair with a $2,500 deductible
- Contingent comprehensive coverage applies to non-collision events, like natural disasters if the driver has it on their personal insurance, covering the same amount as contingent collision coverage
- Uninsured/underinsured motorist bodily injury