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Rideshare accidents are more complex than standard car accidents. Uber and Lyft coverage depends entirely on what "Period" the driver was in when the accident occurred. The difference between Period 1 and Period 2/3 can mean the difference between a $50,000 cap and $1,000,000 in coverage.

Rideshare Accident Settlement Calculator

For Uber and Lyft accidents — passengers, other drivers, and pedestrians.

Understanding Rideshare Coverage Periods

App OFF

Driver's personal auto insurance only. State minimum limits ($15k–$25k).

Period 1 — Waiting

App on, no ride request yet. Uber/Lyft contingent coverage: $50,000/person cap.

Period 2/3 — Active Ride

En route or passenger in car. $1,000,000 commercial policy applies.

Your Role in the Accident *

I was a passenger in the Uber/LyftI was driving another car hit by the Uber/LyftI was a pedestrian or cyclist hit by the Uber/Lyft

Driver's App Status (if known) *

App was OFF (personal driving)

Driver's personal insurance applies

Period 1 — App on, waiting for a ride request

Uber/Lyft contingent: $50,000/person cap

Period 2/3 — En route or passenger was in the car

Uber/Lyft $1,000,000 commercial policy

I don't know the driver's app status

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Primary Injury Type *

Medical Bills ($)

Lost Wages ($)

Your State

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Rideshare Accident Settlement Calculator

Understanding Rideshare Coverage Periods

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