$11 Million Recovery for a Brain Injury
$7.0 Million Recovery for a Brain Injury
$4.5 Million Recovery for a Nurse
$4.5 Million Recovery for a Nurse
$4.35 Million Recovery for a Food Illness
$2.75 Million Recovery for a Nurse
$2.75 Million Recovery for a Cleaner
$2.7 Million Recovery for a Mason
$2.7 Million Recovery for a Nurse
Justia Lawyer Rating
Super Lawyers
Multi Million Dollar Advocates Forum
BBB A+ Rating
Google Reviews

Insurance Comparison Between Uber and Lyft

Insurance coverage for Uber and Lyft cases changes based upon what the driver was doing in the vehicle at the time of an accident.

The only period when an Uber or Lyft driver is not covered by Uber or Lyft vehicle insurance is when a driver is “offline” from work. When a driver is “offline” and not accepting rides, an Uber or Lyft driver’s personal No-Fault insurance applies.

Our top rated Uber and Lyft injury attorneys in Buffalo, New York will contact every insurance carrier directly to determine your benefits. Uber and Lyft both require that their drivers have personal insurance coverage that meets the New York State minimum. In New York State, the minimum amount of bodily injury insurance is:

  1. $25,000 for bodily injury to one person; and
  2. $50,000 for bodily injury to all people in a vehicle.

Bodily injury insurance means insurance for pain and suffering injuries, not insurance for No-Fault coverage.

Comparison Between Uber and Lyft Insurance Coverage
PeriodExplanationUber coverageLyft Coverage
Driver statusOfflineThe Uber or Lyft driver is not using the AppNone – Coverage falls under a driver’s personal No-Fault InsuranceNone – Coverage falls under a driver’s personal No-Fault Insurance
2The Uber or Lyft driver is available on the App to accept jobsLiability Insurance
$50k per person
Up to $100k per accident
$25k for property damage
Liability Insurance
$50k per person
$100k total per accident
$25k for property damage
3The Uber or Lyft driver is on the way to collect the passenger(s)Liability Insurance
Up to $1.25mill per accident
$1mill SUM
Contingent Collision & Comprehensive ($1,000 deductible)
Liability Insurance
Up to $1.25mill per accident
$1.25mill SUM
Contingent Collision & Comprehensive ($2,500 deductible)
4The Uber or Lyft driver is transporting the passenger(s)
Insurance CarrierCarrier: AllstateCarrier: Greenwich Independence Insurance Company

The James River Insurance Company was Uber’s liability insurance carrier for New York State prior to June 29, 2018. Effective June 29, 2018 Uber has insurance coverage through the Allstate Insurance Company.

Lyft’s liability insurance coverage for New York State is currently handled by the Greenwich Independent Insurance Company. Jed Dietrich, Esq. and his top rated team of lawyers and paralegals are expertly trained and ready to represent those injured in Uber and Lyft accidents in Buffalo, New York.

The Dietrich Law Firm P.C. attorneys and staff will fight these insurance carriers to obtain the best result for your personal injury and to set your mind at ease.

We battle to obtain maximum compensation for your lost wages, medical bills and pain and suffering.


Call the Dietrich Law Firm P.C. immediately at (716) 839-3939 so that our aggressive, tenacious and hardworking personal injury lawyers can fight to obtain the best result for your personal injury claim in Buffalo, New York. We are available 24 hours a day, 7 days a week and there is never a fee until we WIN for you!

Client Reviews
★★★★★
I am a medical doctor and have worked with many of the best lawyers in Buffalo and I can say without question that Jed Dietrich is the only lawyer I would trust with my injury case in Buffalo New York. B.O.
★★★★★
Dogged, Determined, and Dead-set on getting you the Maximum settlement for your injuries! T.F.
★★★★★
No one will work harder, smarter or better; I have retained Jed and he obtained the best result for my case. D.P.
★★★★★
The definition of an "A" type personality-exactly who I would want to represent me in a serious personal injury case. E.S.
★★★★★
Jed is a Master in the courtroom without an equal. S.C.
Distinguished Justice Advocates
Marquis Who's Who
Elite Lawyers of America
Best Law Firms of America
American Association for Justice