Back to Help Center Hub
Rideshare
$1M Policy Coverage
• 5 min read
What happens after an Uber or Lyft rideshare accident in New York?
With tens of thousands of Uber, Lyft, and rideshare vehicles navigating New York City streets daily, rideshare accidents are among the most common and legally nuanced injury claims in the five boroughs.
The 3 Insurance Periods in Rideshare Collisions
Uber and Lyft coverage in New York depends entirely on the driver’s app status at the exact moment of impact:
- Period 1 (App Off): The driver’s personal auto insurance applies.
- Period 2 (App On, Searching for Ride): Uber/Lyft provides contingent third-party liability coverage of $50,000 per person / $100,000 per accident for bodily injury.
- Period 3 (Ride Accepted / Passenger On Board): A comprehensive $1,000,000 commercial liability and UM/UIM policy is active.
NYC Taxi and Limousine Commission (TLC) Regulations
In NYC (unlike many suburban areas), rideshare drivers must possess a valid TLC license and commercial "T&LC" plates with commercial liability coverage. This creates unique legal rights and strict oversight for injured passengers and pedestrians struck by rideshare vehicles.
Free Case Intake
Have questions about your specific accident?
Submit your information for a prompt, 100% free claim evaluation.