Atlanta is one of the most active rideshare markets in the Southeast. When a crash involves an Uber or Lyft driver, multiple insurance policies may be in play and which one applies depends entirely on what the driver was doing at the moment of impact. Insurance companies use this complexity to delay and deny claims. We cut through it.
Georgia law and rideshare company policies divide coverage into three distinct periods:
- Period 1 (App off): Only the driver’s personal auto insurance applies. Coverage is often limited and may not be enough to cover serious injuries.
- Period 2 (App on, no ride accepted): A contingency policy from Uber or Lyft provides limited liability coverage ($50,000 per person/ $100,000 per accident in Georgia).
- Period 3 (En route or actively transporting a passenger): Uber and Lyft’s full $1 million commercial liability policy applies.
Identifying which period was active at the moment of your crash and holding the right parties accountable is exactly where these companies create confusion. We’ve done it before.
We handle claims involving:
- Passengers injured in Uber or Lyft vehicles
- Drivers and pedestrians struck by rideshare vehicles
- Accidents during active trips vs. app-on waiting periods
- Rideshare company insurance coverage disputes
- Underinsured rideshare driver claims
- Multi-party liability involving the TNC and driver