Jones & Swanson

Auto Insurance Coverage for Uber and Lyft Drivers in Case of Car Wrecks

Demand for service companies like Lyft, Uber, Grubhub and Doordash has greatly increased during the past few years. During the pandemic, these services offered an income stream to many people who needed it and convenience to those quarantined at home. For drivers, these jobs appealing because you can create your own schedule and have flexibility. But due to the nature of the business, drivers of Uber, Lyft and other delivery services also unfortunately face an increased risk of auto accidents.

Increasing your amount of driving obviously increases your risk of being involved in car accidents. Speed also increases your risk of an accident. For every 10mph of increased speed the risk of an accident doubles, according to The nature of these delivery jobs, especially food delivery, can sometimes mean rushing to deliver those goods.

What happens if an Uber or Lyft driver is involved in an accident and call their insurance company to report the damage?

Before driving with Uber or Lyft, it’s important to check with your auto insurance before assuming you’re good to go. For many insurance companies your personal auto insurance may not provide coverage for you while driving for one of these companies. Usually the policy will have a list of exclusions, including “driving for hire.” And there’s typically an option to alert the auto insurance company that you’re a ride share driver up front – which is required by law.

What should you do if you’re injured in an accident as a passenger of Uber or Lyft?

Like any accident, the first thing you should do following a crash is to contact emergency services and seek medical help. Even if you don’t feel incredibly sore or injured, people involved in auto accidents oftentimes experience an onset of symptoms hours or even days later that weren’t apparent immediately after the crash. All accidents should also be reported to the police so an accident report can be provided. If you’re a passenger in ride share service you should also report the crash to Uber or Lyft directly. Finally, call an experienced Marietta auto accident attorney. At Jones & Swanson, we offer free consultations so even if you’re unsure if you need an attorney – we can help you decide.

What if I’m involved in an auto accident as a driver and the other vehicle is an Uber or Lyft?

The same steps apply as if you were a passenger in the Uber or Lyft, but it becomes even more important to contact an experienced personal injury attorney following an accident in this situation. Insurance coverages relating to ride share services can be complex, and the sooner you contact an attorney the sooner they can begin ensuring you will be compensated appropriately.

As always, if you have any questions about Georgia auto accident liability or injuries call Jones & Swanson today for a free consultation.

Auto AccidentsAuto InsuranceCar AccidentDefensive DrivingDistracted DrivingFAQGeorgia LawsInsurance ClaimsMedical BillsPersonal InjurySafety TipsTruck AccidentTrucking AccidentsWorkplace Accidents

File a claim now

Contact a Marietta injury lawyer to discuss your case today.