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Are UBER and Lyft Insured if You’re Injured in a Car Wreck?

E-hail ride sharing services like UBER and Lyft are super convenient. You just download their app, enter your pick-up location and credit card information, and a driver will pick you up and take you where you need to go.

But what happens if your super convenient UBER or Lyft driver is involved in a car crash and you are injured? Who pays for your injuries?

UBER and Lyft Carry $1 Million Coverage Per Accident

You may be covered. Each company carries $1 million per accident to protect passengers and others in the event that one of their cars is involved in a car wreck.

And depending on the circumstances of the accident, there might be other coverages available to you if there are delays or problems with the primary coverage. In some instances the at-fault driver's liability insurance may kick in.

Lots of ifs.


UBER and Lyft Accident Coverage vs. Taxi Coverage

UBER and Lyft, in most instances, carry higher liability than is typical of taxis in most cities. Take the $1 million per incident insurance limits and compare them to those of taxis in three of America's largest cities. Wallet Hub, a social media company that compares financial products, offers these comparisons:

  • Chicago taxi: $350,000 per incident
  • Los Angeles taxi: $750,000 per incident
  • New York City taxi: $100,000 per person; $300,000 per incident

What if the At-Fault Driver is Uninsured?

If you are injured by an uninsured or underinsured driver, UBER and Lyft carry a $1 million policy limit, to help try to ensure that your medical expenses are covered.

If you are injured as a passenger in a taxi cab, you may file a claim with the insurance company of the taxi driver. You may be limited, however, to the policy the driver is covered under. If the taxi cab driver does not have uninsured motorist coverage and you do not have your own personal uninsured motorist coverage, then pursuing compensation can be difficult.

Using a Lawyer Could Potentially Triple Your Compensation1

Studies have shown that, on average, car accident victims who hired a personal injury lawyer to represent them received three-and-a-half times more compensation for their loss than they would have on their own2.

While using the new e-hailing services, like UBER or Lyft, or using a traditional taxi is a personal matter of choice, if you end up in a car wreck, we believe it's in your best interest to contact an experienced personal injury lawyer immediately.

Based on our experience, it can be hard enough for accident victims to try to get compensated fairly from their own insurance companies, let alone, dealing with other insurance companies.

North Carolina Personal Injury Lawyers May Be Able to Help

  • In 2015, alone, we recovered over $75 million (gross) for over 2,700 clients1
  • We have recovered over $600 million (gross) for over 30,000 clients since 19971
  • These numbers don't include the $1.25 billion we helped recover against the U.S. government for 18,400 claimants in a historic class action case1
  • We've done this because we have quality professionals - many who've worked on the "other side" (insurance companies). Over 35 attorneys. Over 100 staff. Seven attorneys board certified in North Carolina in their fields - a differentiator that fewer than 4%3 of North Carolina attorneys can claim

If you're injured while riding in a cab or UBER or Lyft, click here to contact us 24/7, or call 1-866-900-7078. We will evaluate your situation for FREE over the phone or online.


1 Each case is unique and must be evaluated on its own merits. Prior results do not guarantee a similar outcome. Re Black Farmers Discrimination Litigation, the Law Offices of James Scott Farrin led a team of firms to recover $1.25 billion for African-American farmers from the U. S. government for discrimination.

2 Insurance Research Council 1999

3 Percentage calculated from figures supplied by the North Carolina State Bar, through December 31, 2015.




LaDonna Williams joined the Law Offices of James Scott Farrin in 2010 and handles personal injury cases for our clients.

Ms. Williams received her J.D. from North Carolina Central University. She received her B.A. in Sociology from Salem College in Winston-Salem, NC. Ms. Williams' outstanding legal work earned her the designation of "Rising Star" by North Carolina Super Lawyers in 2010.

Contact Information

Asheville Law Office

300 Ridgefield Court Suite 309
Asheville, NC 28806
Phone: 828-552-8215
Toll Free: 1-866-900-7078

Charlotte Law Office

301 S McDowell St, Suite 900
Charlotte, NC 28204
Phone: 704-599-1078
Toll Free: 1-866-900-7078

Durham Law Office

280 South Mangum Street, Suite 400
Durham, NC 27701
Phone: 919-688-4991
Fax: 800-716-7881

Fayetteville Law Office

2915 Raeford Road, Suite 204
Fayetteville, NC 28303
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Goldsboro Law Office

1308 Wayne Memorial Drive, Suite B
Goldsboro, NC 27534
Phone: 919-731-2581
Toll Free: 1-866-900-7078

Greensboro Law Office

300 N. Greene Street, Suite 850
Greensboro, North Carolina 27401
Phone: 336-665-7072
Toll Free: 1-866-900-7078

Greenville Law Office

702 Cromwell Dr. Suite G
Greenville, NC 27858
Phone: 252-355-5205
Toll Free: 1-866-780-3227

Henderson Law Office

514 Dabney Drive, Suite 200
Henderson, NC 27536
Phone: 252-492-4600
Toll Free: 1-866-900-7078

Morganton Law Office

216 N. Sterling Street, Suite B
Morganton, NC 28655
Phone: 828-219-3080
Toll Free: 1-844-520-2894

New Bern Law Office

1505 South Glenburnie Rd, Unit P
New Bern, NC 28562
Phone: 252-634-9010
Toll Free: 1-866-780-3422

Raleigh Law Office

4325 Lake Boone Trail, Suite 100
Raleigh, NC 27607
Phone: 919-834-1184
Toll Free: 1-866-900-7078

Roanoke Rapids Law Office

709 Julian R. Allsbrook Highway
Roanoke Rapids, NC 27870
Phone: 252-537-9670
Toll Free: 1-866-900-7078

Rocky Mount Law Office

144 Woodridge Court
Rocky Mount, NC 27804
Phone: 252-937-4730
Toll Free: 1-866-900-7078

Sanford Law Office

703-B South Horner Boulevard
Sanford, NC 27330
Phone: 919-775-1564
Toll Free: 1-866-900-7078

Wilson Law Office

2315 Airport Blvd Suite A
Wilson, North Carolina 27896
Phone: 252-246-9090
Toll Free: 1-866-900-7078

Winston-Salem Law Office

301 N. Main Street, Suite 2409-C
Winston-Salem, NC 27101
Toll Free: 1-866-900-7078