The short answer
In Georgia, who pays after an Uber or Lyft crash depends on the driver's app status. When a ride has been accepted or a passenger is on board, the rideshare company's commercial policy provides $1 million in liability coverage. When the app is on but no ride is accepted, lower coverage applies; when it's off, the driver's personal insurance applies.
Key Georgia facts
- Ride accepted or passenger on board: rideshare company liability coverage of $1 million.
- App on, waiting for a request: lower contingent coverage applies.
- App off: the driver's personal auto policy applies, like any other driver.
If you were a passenger
Passengers are usually covered by the rideshare company's $1 million liability policy if the rideshare driver caused the crash. If another driver caused it, that driver's insurer is responsible first.
If an Uber or Lyft hit you
If you were in another car, walking or biking, the coverage available depends on whether the driver was carrying a passenger, heading to a pickup, or just logged in. Screenshots, the trip receipt and the police report help show which applies.
If you were the rideshare driver
Drivers face a more complicated mix of their personal policy and the company's coverage, depending on their app status. Your personal insurer may deny the claim if your policy excludes rideshare driving.
What to save
The trip receipt or ride details in the app, screenshots of the driver's name and car, photos of the scene, and the police report number.
Common questions
Can I sue Uber or Lyft directly?
Claims usually go through the company's insurance policy. Whether the company itself can be responsible depends on the facts — an attorney can review your situation.
Does it matter if I was in an Uber or Lyft?
The coverage structure is similar for both companies in Georgia. What matters most is the driver's app status at the time of the crash.
This guide is general information about Georgia law as of the date above, not legal advice. Laws change and every situation is different — talk to a licensed Georgia attorney about your specific case. Auto Accident Connection is not a law firm.