Who is responsible for paying damages in an Uber or Lyft accident?

Responsibility depends on the rideshare driver’s status at the time of the crash. If the driver was transporting or on the way to pick up a passenger, Uber or Lyft’s liability coverage typically applies. When the app is on but the driver is waiting for a request, a more limited form of insurance may cover the damages. If the app is off, then the driver’s personal auto insurance is generally primary. Sorting out which insurance company is responsible requires looking carefully at when and how the accident occurred.