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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.

Were you injured in an Uber or Lyft accident in Buffalo, New York; Niagara Falls, New York; Rochester, New York or elsewhere in New York State? Our top rated Uber and Lyft injury attorneys in Buffalo, New York will directly contact every relevant insurance carrier on your behalf 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

The Buffalo, New York serious injury attorneys of the Dietrich Law Firm P.C. are ready to face the insurance companies on your behalf to obtain the best result for your personal injury and to set your mind at ease. Unfortunately, insurance companies often prey on those who are not experienced with handling car accident injury claims. Insurance companies have a reputation for trying to get claimants to settle for as little as possible--caring little about the financial hardships they might face in the future because of their accident-related injuries. Jed Dietrich, Esq., recognized as a New York Super Lawyer and a Lawyer of Distinction, has been battling insurance companies for his clients since 1999. With years of experience and a mission to provide the highest level of personal injury representation, you can trust that you are in good hands when you call Jed Dietrich, Esq. 

Were you injured in an Uber or Lyft car accident in Buffalo, New York; Rochester, New York; Niagara Falls, New York or elsewhere in New York State? We will battle to obtain maximum compensation for your lost wages, medical bills and pain and suffering after an accident caused by the negligence of someone else. Call us today at 716-839-3939 so that we can help you get the compensation that you are entitled to. 


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.
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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.
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