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Uber & Lyft Accident Calculator

Estimate compensation for rideshare accidents. Analyzes complex commercial insurance periods ($1M policies), your status (passenger vs. other driver), and injury severity.

📅 Updated: April 2026📱 TNC Commercial Policy Data
Robert J. Mitchell
Reviewed by Robert J. Mitchell, Esq.inLast updated: April 2026
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Rideshare Claim Estimator

Based on rideshare app periods and $1M policy triggers

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ℹ️ Note: Uber and Lyft carry commercial $1,000,000 policies through carriers like Allstate or Liberty Mutual, but this policy only triggers during Periods 2 and 3. Commercial adjusters fight these claims harder than standard auto claims.

How Uber & Lyft Settlements Work

Rideshare accident claims are significantly more complex than standard car accident claims because the amount of available insurance money depends entirely on the "Period" the rideshare app was in at the time of the crash.

The 3 Rideshare Insurance Periods

  • Period 0 (App Off): Only the driver's personal auto insurance applies. Uber/Lyft provides $0 in coverage.
  • Period 1 (App On, Waiting for Request): Uber/Lyft provides contingent liability coverage up to $50,000 per person / $100,000 per accident for bodily injury if the driver's personal insurance denies the claim.
  • Period 2 (En Route to Pickup): Uber/Lyft's $1,000,000 commercial liability policy triggers.
  • Period 3 (Passenger in Car): The $1,000,000 commercial liability policy and $1,000,000 uninsured/underinsured motorist (UM/UIM) coverage is fully active protecting the passenger.

💡 Passenger Strategy

If you were a passenger in an Uber or Lyft, it rarely matters who caused the crash. Because of the $1,000,000 UM/UIM policy, your injuries are almost always covered up to a million dollars, regardless of whether the Uber driver or the other driver was at fault.

Robert J. Mitchell, Esq.
Lead Legal Advisor & Medical Malpractice Expert

Robert J. Mitchell, Esq. in

15+ years practicing personal injury law. Former insurance defense attorney turned plaintiff's advocate. Member of the American Association for Justice. Robert ensures that all our calculators meet the highest standard of legal accuracy.

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