Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 48 Page 49 Page 50 Page 51 Page 52 Page 53 Page 54 Page 55 Page 56Uber’s Liability Coverage: With Uber, if an accident occurs in Nevada on the way to pick up a customer or while a customer is in the car, Uber’s commercial in- surance policy covers up to $1.5 million in liability coverage per incident, which covers rideshare passengers and others involved in the accident. The policy also cov- ers incidents caused by uninsured or underinsured drivers with up to $1 million in bodily injury coverage per case. If an Uber driver causes an accident while available, but in-between trips, the driver’s personal liability insur- ance will cover those injured. If the driver does not carry adequate in- surance, Uber carries another policy of $50,000 bodily injury liability per individual, $100,000 bodily injury liability per accident and $25,000 property damage liability. While this coverage would not affect passengers, as it only applies when the driver is in-between trips, it may affect other drivers or pedestrians involved in a wreck that an Uber driver caused. Lyft’s Liability Coverage: Like Uber, Lyft’s insurance coverage depends on whether a customer is riding in the vehicle. When a driver is on duty, but has not received a ride request, that driver’s personal insurance provides coverage. However, Lyft provides contingent liability coverage, too, if the driver’s insurance does not provide coverage. Just like Uber, the policy covers up to $50,000 bodi- ly injury liability per person, $100,000 bodily injury liability per accident and $25,000 for property damage liability. Once the driver accepts a ride request, Lyft’s primary insurance is active. From the time the driver accepts the ride until the ride is completed, Lyft’s insurance provides up to $1 million liability coverage per acci- dent. Lyft also provides uninsured or underinsured motorist coverage for bodily injury of up to $1 million. Are Uber and Lyft drivers personally liable for accidents? If an employee causes a traffic acci- dent while performing work duties, the employer is usually vicariously liable to those the employee injured. Uber and Lyft work differently. Rideshare drivers are personally li- able for accidents they cause while they are available, but are not yet on the way to pick up a rider. The driver’s personal liability insurance is the primary means of coverage for those injured. Not all personal automotive policies provide coverage while driving for professional services like Uber or Lyft. Some insurance policies may even expressly forbid “driving for hire.” While more insurance compa- nies now provide unique auto pol- icy add-ons specifically tailored for drivers of ridesharing services, Uber and Lyft both provide coverage to those injured by their rideshare drivers during this period – this is the $50,000/$100,000/$25,000 policy discussed above. Whatever the case with the driver’s personal liability insurance, liability changes when the driver matches with a ride and is on the way to pick up a passenger and after picking up a passenger. In that case, it is the rideshare company – Uber or Lyft – that is liable for persons injured by the rideshare driver. The driver may not be personally liable. What should I do if I am injured in a car accident while in an Uber or Lyft vehicle? If you were injured in a rideshare car accident, you may be entitled to compensation for your injuries. The Richard Harris Law Firm can help. Ridesharing is relatively new, and government regulations covering these services are still somewhat untested, so it’s com- plicated to know who’s responsible for your damages and what insurance is available. We are standing by to assist you with your Uber or Lyft accident.  37