If you were involved in an accident in Arizona while using Uber or Lyft as a passenger, here’s what you need to know. In Arizona, Uber and Lyft now covers its drivers and passengers with commercial liability insurance with a $1 million limit. Uber and Lyft now have Uninsured/underinsured bodily injury coverage with a $1 million limit. Uninsured/underinsured coverage is important here in Arizona in the event the other driver is at fault and does not have sufficient coverage or no coverage at all.
As a Phoenix accident attorney, we are seeing more and more accidents involving vehicles that are being used as Uber or Lyft ridesharing vehicles. Up until the last year or so, many drivers of ridesharing vehicles were faced with an insurance dilemma because their own personal insurance would refuse to cover them in the event of an accident. We’ve also heard of auto insurance companies dropping coverage when they find out that their insured is driving for Uber or Lyft to earn extra cash. This new coverage seems to bridge a potential gap in coverage between a driver’s personal insurance and the previous coverage Uber or Lyft used.
It also should be noted that Uber offers several other services including UberBlack and UberTaxi. These services work differently than the more popular UberX vehicles. Drivers for these services have their own commercial driver’s licenses and carry their own commercial insurance policies. This fully covers the drivers and passengers and meet the livery insurance requirements here in Arizona.
On the other hand, as a passenger of an Uber or Lyft vehicle, it’s always a good idea to maintain your own underinsured/uninsured auto coverage. Underinsured/uninsured coverage is important because it follows you where you ever you go. Whether you’re a passenger in a friend’s car or riding in an Uber or Lyft vehicle, you’ll surely be covered in the event of an accident if you carry your own underinsured/uninsured auto coverage.
If you were injured in an accident as a passenger or driver of a ridesharing vehicle and it wasn’t the driver’s fault, a qualified Phoenix accident attorney can help you get proper treatment and represent you when dealing with the insurance companies and the other parties.