ClickCease Los Angeles Rideshare Car Insurance | The 4 Uber Rideshare Periods

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Rideshare Accident Insurance Coverage

Insurance Claim Rules for the 4 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 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 law firm in Los Angeles.

Do You Need Rideshare Insurance?

Pedestrian Deaths in Los Angeles

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 dependent 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

Listed below are four ridesharing periods created by Uber and Lyft.

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, third party liability will cover you if your personal insurance does not apply.

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

Available Damages

Accidents happen. If you were injured as a result of someone else’s negligence, you may be entitled to compensation for your losses. Below is a brief explanation of damages. Damages are a type of monetary award that is determined by a court of law to help compensate an aggrieved individual for any losses or injuries sustained as a result of someone’s negligence.

Economic Damages
Economic damages are intended to compensate a plaintiff for losses that a dollar amount can readily be attached to. Economic damages are calculated by determining the amount of out-of-pocket losses an aggrieved individual has or will expect to incur as a result of their injuries.

A few examples of economic losses include:

  • Loss of Earning Capacity
  • Medical Bills
  • Lost Wages

Non-Economic Damages
Non-economic damages are essentially intended to cover losses that are thought of as subjective and will not necessarily cover out-of-pocket losses. Non-economic damages may include compensation for:

  • Emotional Distress
  • Pain and Suffering
  • Loss of Enjoyment of Life

Punitive Damages
The third type of damages a California court may award are known as punitive damages. Punitive damages are intended as punishment and are only awarded when a defendant’s behavior is especially harmful. Punitive damages are relatively rare and in fact are only incorporated in 5 percent of all verdicts.

West Coast Trial Lawyers Is Here to Help

If you were involved in an Uber or Lyft accident, our experienced personal injury attorneys at West Coast Trial Lawyers will help you get the compensation you deserve for your losses. We are committed to resolving your legal issues as quickly as possible while receiving the best results. 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.

Contact us today by calling (213) 927-3700 or emailing [email protected] to schedule a free, no-obligation consultation with our knowledgeable, caring, and compassionate legal team.


If you have been injured in an accident, you can count on the legal team at West Coast Trial Lawyers to fight for your rights every step of the way. Contact us today to schedule your free case evaluation with a personal injury attorney.
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