Medically reviewed by the MAIC Editorial Team — board-certified physicians specializing in personal injury care.
Quick Answer
If you were injured in an Uber or Lyft accident in the Bronx, you are covered under the rideshare company's commercial insurance policy (up to $1.25M). As a passenger, you can also file under NY No-Fault. MAIC provides same-day evaluation for rideshare accident injuries. Call (888) 991-5290.
Insurance Layers in a Rideshare Accident
Both Uber and Lyft provide commercial liability insurance for accidents involving their drivers while the app is active. Coverage amounts vary by phase:
- App off: Only the driver's personal auto insurance applies
- App on, no passenger: Rideshare company provides contingent liability coverage (typically $50,000 per person/$100,000 per accident/$25,000 property damage)
- Passenger in vehicle or en route to pickup: Rideshare company's full commercial policy ($1 million liability coverage) applies
No-Fault Coverage in Rideshare Accidents
If you were a passenger in an Uber or Lyft that was in an accident, you are covered by the vehicle's No-Fault insurance — which in the case of a commercial rideshare vehicle may be the rideshare company's commercial policy. The same 30-day filing deadline applies.
Getting Care After a Rideshare Accident
Rideshare accident patients are treated at MAIC the same as any No-Fault patient. Our billing team identifies the appropriate insurance carrier and handles all submissions. Call (888) 991-5290 for same-day evaluation.