Uber & Lyft Rideshare Accident Lawyers in Arizona

Rideshare insurance coverage in Arizona follows a complex structure that changes based on the driver’s status. Here is the breakdown of how the coverage types affect personal injury victims in a rideshare accident:

App Off (Driver’s Personal Insurance)

• Coverage: This is the driver’s own car insurance policy. Arizona requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage.
   
• Impact on Victims: If the rideshare driver causes an accident while not working for Uber/Lyft, victims can only seek compensation from the driver’s personal insurance policy. This can be problematic if the victim’s injuries and damages exceed these relatively low minimum limits.

2. App On, Awaiting Ride

• Coverage: Both Uber and Lyft provide liability coverage with higher limits: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage.
• Impact on Victims: Victims have access to higher insurance limits than when the app is off. This offers more financial protection for medical bills, lost wages, and other damages. However, these limits may still be insufficient in cases of severe injuries.

3. Passenger in Vehicle

• Coverage: This is when the most robust coverage kicks in. Both Uber and Lyft provide $1 million in liability coverage, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage.
• Impact on Victims: The $1 million liability coverage significantly protects victims (including the passenger). Uninsured/underinsured motorist coverage protects victims if the at-fault driver in another vehicle has insufficient or no insurance. Contingent comprehensive and collision coverage helps cover damage to the rideshare vehicle, which can indirectly benefit passengers seeking compensation.