With the explosion of ridesharing services like Uber and Lyft, more and more Utah car accidents involve Uber and Lyft drivers. As a result, it is critical that you know your rights if you are involved in an Uber or Lyft car accident in Utah. In particular, it is important to know that Uber drivers and passengers have additional insurance protections over and above those of standard vehicles. Uber and Lyft provide these additional insurance protections in an effort to better protect their drivers and passengers involved in motor vehicle accidents.

If You Are a Passenger of Uber or Lyft

Uber and Lyft offer up to $1 million in uninsured and underinsured motorist insurance coverage for their passengers. This means that there is up to $1 million in coverage for your injuries. Uber and Lyft also offer up to $1 million in liability coverage depending on what “phase” of the job the Uber or Lyft driver was performing at the time of the motor vehicle accident. Those “phases” are outlined in detail below. As a result, if you have been injured in an accident involving Uber or Lyft, you should seek immediate medical attention. Then call Gosdis Law. We will pursue your claim with Uber or Lyft to obtain the maximum amount of damages possible for your Uber or Lyft car accident.

If You Are a Driver of a Vehicle Involved in a Collision with an Uber or Lyft Driver

If you are a driver or passenger of a vehicle involved with a collision with an Uber or a Lyft driver, you need to obtain the Uber or Lyft driver’s personal insurance information and his or her ridesharing information. The question of which of those two policies covers your damages depends on what “phase” of the job the Uber or Lyft driver was performing at the time of the motor vehicle accident. Because Uber and Lyft’s insurance policies do not cover all situations, we may be required to file a claim against the Uber or Lyft driver’s personal insurance. In either case, let Gosdis Law ensure that you obtain the maximum recovery from the correct insurance policies in connection with your Utah Uber or Lyft accident.


Uber and Lyft separate their insurance coverage into three distinct time periods as follows.

  • First Phase. This phase applies if an Uber or Lyft driver is offline. If the Uber or Lyft driver is offline, he or she is solely covered by his or her personal insurance policy.
  • Second Phase. This phase applies if an Uber or Lyft driver is online and waiting to pick up a passenger. If an Uber or Lyft driver is involved in a motor vehicle accident while he or she is online and waiting to pick up a passenger, Uber or Lyft’s insurance policy provides coverage. In that case, Uber and Lyft’s insurance provides 50/100/25 liability coverage. That means that Uber and Lyft’s insurance companies will cover up to $50,000 per person and $100,000 per accident for bodily injuries; and $25,000 for property damages.
  • Third Phase. This phase applies when an Uber or Lyft driver has accepted a fare through the Uber or Lyft app and is en route to pick-up the passenger or has already picked up the passenger and is en route to the passenger’s destination. As a result, from the moment that an Uber or Lyft driver receives a ride request to the time that he or she drops off the passenger, Uber and Lyft offer $1 million in liability, uninsured, and underinsured coverage.


If you have suffered an injury involving an Uber or Lyft driver, contact a Utah Uber and Lyft injury lawyer immediately to protect your rights. Uber and Lyft ridesharing litigation is still a new area of law and oftentimes involves novel legal questions. You need an experienced law firm to make sure you recover as much compensation as possible for your Uber and Lyft-related injuries. Time matters. Insurance adjusters for Uber and Lyft know you are in a vulnerable position and often seek to take advantage of that fact. They may attempt to interview you to secure admissions helpful to their case or they may persuade you accept a quick, lowball settlement offer before you are able to retain an attorney. An experienced Utah personal injury attorney will protect you against these insurance company tactics, among many others, and ensure that you receive the compensation you deserve.

Gosdis Law is an experienced law firm committed to helping Utah Uber and Lyft injury victims. If you have an injury from an Uber or Lyft accident, we can help. We fight to recover as much money as possible for our Utah Uber and Lyft injury clients. We know the lengths insurance companies will go to defend claims. If you retain us, we will approach your case with a single-minded focus on recovering as much money as possible for you and your family. That is the commitment we make to our clients.


If you have sustained an Uber or Lyft injury in Salt Lake City or any other Utah location, you
need to retain a Utah Uber and Lyft accident lawyer. You are entitled to compensation. Gosdis Law
will help you recover it, including compensation for your past medical bills; future medical bills;
past pain and suffering; future pain and suffering; emotional distress; loss of enjoyment of life;
past lost wages; and future lost wages.
Call us today at (385) 474-6126; text message at (801) 200-1578; or e-mail s@gosdis.lawyer to schedule a free consultation with an experienced Utah Uber and Lyft accident lawyer.