What Happens If You’re Injured While Driving for Uber or Lyft?

What happens if you’re injured while driving for Uber or Lyft. So this is a specialized video, a specialized area, limited only to drivers for Uber and Lyft. And because we’ve had so many inquiries lately about injured drivers, uh, we felt it was appropriate to do a video to enlightened people just exactly how insurance works in Florida. If you are an Uber or Lyft driver and you’re in an accident. So there are four separate periods, uh, while you’re driving, uh, that apply. So period zero just simply means you’re driving around. You don’t have the app on, you don’t have a passenger in your Uber or Lyft and you’re in an accident. In that scenario, your own auto insurance applies. So that’s the easiest one. So that’s period zero. The next period is period one. And in period one, that means that you’re driving around with either the Uber or the Lyft app on, but no one has actually, uh, uh, you, you don’t have a, you’re not driving to go pick someone up, someone up, you haven’t accepted a ride and you don’t have a passenger in the card car.

You’re just simply driving around with the Uber or the Lyft app on again, that’s called period one. So if you’re in an accident under that scenario, Uber and Lyft pay up to fit the, it’s that it gets a 50,000 slash 100,000 bodily injury plus $25,000 in property damage. So basically they will defend you 50,000 slash 100,000 to anyone you injure if you’re at fault, and then $25,000 toward the other party’s property damage. However, they will not pay for your injuries. So there is no uninsured motorist coverage if you are injured, uh, during period one, again, meaning you just simply have the apps on, uh, now the next two periods or periods two and three period two is you have actually, you have the app on and you’ve got, uh, you’ve, you’ve confirmed a ride and you’re driving to go pick up that customer. You’re on the way.

And then period three is you’ve actually picked up the customer and the customer is in your Uber or your Lyft. And so what happens if you’re in an accident at that point? So the good news is that Uber and Lyft at that point kicks in the excessive, uh, excess coverage. So if again, you injure someone, they kick in, they provide injury insurance to you up to a million dollars worth of, um, bodily injury for Uber. And I believe it’s 250 for Lyft as far as the uninsured motorists. So in other words, someone else injuries you, you’re not at, uh, and another car hits you, you’re in an accident. Uh, uninsured motorist for Uber kicks in at $1 million, and that’s through progressive. The uninsured motorist for Lyft kicks in $250,000, and that’s through Greenwich Insurance Company here in Florida. So, um, well green, which is not located in Florida, I’m saying those are the, those are the policies.

1 million slash a 1 million for Uber, two 50 for Lyft in Florida. So look, if you are an Uber or Lyft driver, you are definitely at a higher risk. You’re driving around most likely at night with, uh, people that are impaired from alcohol or other substances. You’re at a higher risk of being injured in an accident. So, uh, obviously there are more protections if you actually are on your way to pick someone up or you have somebody in your car, uh, you should always notify your own insurance company that you’re driving for Uber or Lyft. A find out after the fact that you were doing that and you’re probably gonna get dropped. You’re not, they’re not gonna cover you. So anyway, in any event, uh, if you’re out there, please drive safely. And I hope this answers some questions about the insurance policies. If you are injured as an insurer, uh, as a driver for either Uber or Lyft.

*The above has been transcribed by a third party service and has not been checked for accuracy

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