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

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Insurance Claim Rules for the 4 Different Uber Rideshare Periods: Free Insight From the Best Rideshare Accident Injury Lawyers

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 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 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

There are four ridesharing periods and each of them can vary greatly regarding what is covered. Listed below is a breakdown 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 

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
  • Other Non-Economic Damanges

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% of all verdicts.

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 [email protected].


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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