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Ranked #1

Personal Injury Firm in Los Angeles

Ranked #1

Personal Injury Firm in Los Angeles

Rideshare Car Insurance / The 4 Uber Rideshare Periods


In addition to your personal insurance it is a good idea to invest in Rideshare insurance. Rideshare insurance is a unique form of insurance. It combines on the job security as well as personal coverage. While Uber and Lyft have their own insurance policies it is best to be fully covered from all angles. 

If you’ve suffered a personal injury or had any damage done to your vehicle as a result of an accident, you may need help recovering compensation for your losses. West Coast Trial Lawyers has over 60 years of collective experience and has earned its spot as the top Uber/Lyft injury lawyers in Los Angeles. 

Do You Need Rideshare Insurance?

You may not think you need rideshare insurance until it is too late. Many do not know this, but your personal car insurance may not cover an accident that happened while you’re on the clock. In fact, your auto insurer may cancel your policy if they discover that you are using your car for work and haven’t disclosed that information to them. If you do have Uber or Lyft insurance, you may be unaware that there is a vital period where you may not be covered. 

The coverage of your Uber insurance is dependant on the time of the accident. In most cases, while waiting for a rider’s request, your coverage can include basic liability coverage. Basic liability insurance covers:

  • $50,000 for bodily injury per person
  • $100,000 for bodily injury per accident 
  • $25,000 for in property damage per accident   

Most insurers provide rideshare insurance options. Generally, these options boost your personal policy and cover ridesharing issues. They’re included in your new policy as an “add on” and there is no need for an entirely new separate policy. 

Rideshare Periods

There are four ridesharing periods and each of them can vary greatly regarding what is covered. Listed below is a break down of how Uber and Lyft understand these situations. 

Period 0: When the app is off and you are using your car for personal reasons, your personal car insurance policy will cover you. 

Period 1: This is when your app is turned on and you’re waiting for a ride request. During this period, your personal insurance will not cover you. Instead, you are subject to Uber and Lyft liability coverage. 

Period 2: After you have accepted a ride and are driving toward the passenger, you are fully covered by your rideshare insurance. This includes:

  • Liability insurance for $1 million per accident
  • Uninsured/underinsured motorist insurance for $1 million 
  • Comprehensive and collision insurance for the cash value of your car 
  • Comprehensive and collision deductible for $1,000 

Period 3: This period is when your passengers are physically in the car. During this period you are completely insured. Like period 2, this insurance policy covers:

  • Liability insurance for $1 million per accident
  • Uninsured/underinsured motorist insurance for $1 million
  • Comprehensive and collision insurance for the cash value of your car 
  • Comprehensive and collision deductible for $1,000 

West Coast Trial Lawyers Is Here to Help

Our personal injury attorneys will not charge you for a consultation. Our clients are represented on a contingency fee basis. If we do not win, you owe us nothing. There is no financial risk to prevent you from reaching out. Our qualified personal injury lawyers are highly-trained and have extensive experience with cases that are similar to yours. We are committed to helping you resolve your legal issues as quickly as possible while receiving the best results.

If you or someone you know has been injured in an Uber or Lyft accident, reach out to our legal team 24 hours a day by calling us at 213) 927-3700 or emailing info@westcoasttriallawyers.com.



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