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.