Your answers

MarylandLyftDriving to pick up a passenger

Lyft publishes $125,000 of third-party liability coverage (combined single limit) in Maryland while you are driving to pick up a rider. That is Lyft's current coverage, not the Maryland legal minimum.

CaliforniaUber & LyftDriving to pick up a passenger

While you are driving to a pickup in California, the platform must carry $1,000,000 in coverage that pays first for harm you cause to others for death, personal injury, and property damage.

CaliforniaUber & LyftPassenger in the car

While a passenger is in your car in California, the platform must carry $1,000,000 in coverage that pays first for harm you cause to others for death, personal injury, and property damage.

WashingtonUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Washington law requires coverage of $50,000 per injured person, $100,000 per accident, and $30,000 for property damage.

WashingtonUber & LyftOnline, waiting for a request

If you are logged into more than one app at once and have not accepted anything, Washington splits responsibility equally between those apps' insurers.

MinnesotaUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Minnesota requires coverage of $50,000 for one injured person, $100,000 if more than one person is hurt, and $30,000 for property damage.

New YorkUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a trip, New York requires $75,000 for one injured person, $150,000 if more than one is hurt, and $25,000 for property damage - the highest waiting-period amounts of any state we cover.

ConnecticutUber & LyftOnline, waiting for a request

While you are logged on and available but not on a ride, Connecticut requires $50,000 for one injured person, $100,000 per accident, and $25,000 for property damage.

New JerseyUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, New Jersey requires $50,000 for one injured person, $100,000 per accident, and $25,000 for property damage, plus coverage for your own medical bills.

North CarolinaUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, North Carolina requires $50,000 for one injured person, $100,000 per accident, and $25,000 for property damage.

FloridaUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Florida requires $50,000 for one injured person, $100,000 per incident, and $25,000 for property damage.

TexasUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Texas requires $50,000 for one injured person, $100,000 per incident, and $25,000 for property damage.

South CarolinaUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, South Carolina requires $50,000 for one injured person, $100,000 per incident, and $50,000 for property damage - twice what most states require for property.

MassachusettsUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Massachusetts requires $50,000 for one injured person, $100,000 per accident and $30,000 for property damage. Uninsured motorist and PIP coverage are required too.

ArizonaUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Arizona requires $25,000 for one injured person, $50,000 per accident and $20,000 for property damage.

ArizonaUber & LyftDriving to pick up a passenger

Once you accept a ride in Arizona and are on your way to the pickup, the minimum rises to $250,000 per incident.

ArizonaUber & LyftPassenger in the car

While a passenger is in your car in Arizona, the minimum is $1 million.

NevadaUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Nevada requires $50,000 for one injured person, $100,000 per accident and $25,000 for property damage.

IllinoisUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Illinois requires $50,000 for one injured person, $100,000 per accident and $25,000 for property damage.

GeorgiaUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Georgia requires $50,000 for one injured person, $100,000 per accident and $50,000 for property damage.

MichiganUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Michigan requires $50,000 for one injured person, $100,000 per accident and $25,000 for property damage, plus Michigan's no-fault personal and property protection insurance.

PennsylvaniaUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Pennsylvania requires $50,000 for one injured person, $100,000 per accident and $25,000 for property damage, plus first-party medical benefits of $25,000 for pedestrians and $5,000 for the driver.

MarylandUber & LyftOnline, waiting for a request

While you are logged on and ready to accept a ride, Maryland requires at least $50,000 for one injured person, $100,000 for two or more people and $25,000 for property damage, plus uninsured motorist and PIP coverage.

MarylandUberDriving to pick up a passenger · Passenger in the car

Uber publishes at least $1,000,000 of liability coverage while you are en route to a pickup or on a trip, and lists no Maryland exception. That is Uber's coverage, not the Maryland legal minimum.

VirginiaUber & LyftOnline, waiting for a request

While you are logged on but have not accepted a ride, Virginia requires primary coverage of $50,000 for one injured person, $100,000 per incident and $25,000 for property damage, plus uninsured and underinsured motorist coverage.

OhioUber & LyftOnline, waiting for a request

While you are logged on and available but have not accepted a ride, Ohio requires primary coverage of $50,000 for one injured person, $100,000 for two or more people and $25,000 for property damage.

TennesseeUber & LyftOnline, waiting for a request

While you are logged on but not giving a ride, Tennessee requires primary coverage of $50,000 for one injured person, $100,000 per incident and $25,000 for property damage.

MinnesotaUberDriving to pick up a passenger · Passenger in the car

Since January 2025, Uber automatically covers injuries to Minnesota Rides drivers. No signup, no cost to you.

MinnesotaLyftDriving to pick up a passenger · Passenger in the car

Since January 2025, Lyft automatically covers injuries to Minnesota drivers on trips - free, no signup. But unlike California, it does not cover you while you are waiting.

MichiganUber & LyftPassenger in the car

A Michigan rideshare passenger may be able to claim PIP under the platform's policy - but that depends on the passenger's own insurance situation, and the amount depends on the PIP level the platform chose.

CaliforniaUber & LyftPassenger in the car

While a passenger is in your car in California, the platform must carry uninsured and underinsured motorist coverage of $60,000 per person and $300,000 per incident.

WashingtonUber & LyftPassenger in the car

Once your passenger is actually in the car, Washington requires $100,000 per person and $300,000 per accident of coverage for when the other driver has no insurance or not enough.

IllinoisUber & LyftPassenger in the car

Illinois requires $50,000 of uninsured and underinsured motorist coverage from the moment a passenger gets in until they get out.

WashingtonUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in Washington, coverage jumps to $1,000,000 for injuries and property damage combined. It stays there until the trip ends.

MinnesotaUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in Minnesota, coverage jumps to $1.5 million - higher than most states, which require $1 million.

New YorkUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a trip in New York, coverage rises to $1.25 million for injuries and property damage combined.

ConnecticutUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in Connecticut, coverage rises to $1 million for injury, death, or property damage per accident.

New JerseyUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in New Jersey, coverage rises to $1.5 million, plus $10,000 per person for medical bills.

North CarolinaUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in North Carolina, coverage rises to $1 million.

FloridaUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in Florida, coverage rises to $1 million.

TexasUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in Texas, coverage rises to $1 million.

South CarolinaUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in South Carolina, coverage rises to $1 million.

MassachusettsUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in Massachusetts, coverage rises to at least $1 million per occurrence. Uninsured motorist and PIP coverage still apply.

NevadaUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in Nevada, the minimum is $1 million.

IllinoisUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in Illinois, the platform must carry $1 million of primary liability coverage.

GeorgiaUber & LyftDriving to pick up a passenger · Passenger in the car

Once you accept a ride in Georgia, the minimum is $1 million of liability coverage, plus Georgia's required uninsured and underinsured motorist minimums.

MichiganUber & LyftDriving to pick up a passenger · Passenger in the car

From the moment you accept a ride until the last passenger gets out, Michigan requires at least $1,000,000 of liability coverage, plus no-fault personal and property protection insurance.

PennsylvaniaUber & LyftDriving to pick up a passenger · Passenger in the car

From the moment you accept a ride until the last passenger gets out, Pennsylvania law requires at least $500,000 of liability coverage - not $1 million - plus first-party medical benefits of $25,000 for passengers and pedestrians and $5,000 for the driver.

MarylandUber & LyftDriving to pick up a passenger · Passenger in the car

Maryland's legal minimum does not rise once you accept a ride: the same $50,000 / $100,000 / $25,000, plus uninsured motorist and PIP coverage, applies through drop-off. Uber and Lyft publish their own coverage for this time, and the two differ.

VirginiaUber & LyftDriving to pick up a passenger · Passenger in the car

From the moment you accept a ride until the trip is complete, Virginia requires at least $1,000,000 of primary liability coverage, plus uninsured and underinsured motorist coverage.

OhioUber & LyftDriving to pick up a passenger · Passenger in the car

From the moment you accept a ride until the last rider gets out, Ohio requires at least $1,000,000 of primary liability coverage.

TennesseeUber & LyftDriving to pick up a passenger · Passenger in the car

From the moment you accept a ride until the last rider gets out, Tennessee requires at least $1,000,000 of primary liability coverage.

MinnesotaUber & LyftDriving to pick up a passenger · Passenger in the car

Minnesota requires the platform to carry $1 million of coverage for injuries to you - not to other people - while you are on a ride. It cannot charge you for it or take it out of your pay.

CaliforniaUberOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

If you drive or deliver for Uber in California and get hurt on the job, you already have coverage for it. Uber provides it automatically, at no cost, and you did not have to sign up.

CaliforniaLyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

If you drive Lyft in California and get hurt on the job, you have coverage for it automatically and at no cost. There is one catch about the waiting period, and it involves other apps.

WashingtonUber & LyftDriving to pick up a passenger · Passenger in the car

Washington rideshare drivers have workers' compensation - the same system that covers people injured at work. It pays your medical care and part of your lost wages, and you claim it from a state agency, not from Uber or Lyft.

41 states + DCUberOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Uber now names the states. Of ours it is offered in AZ, FL, GA, IL, MD, MA, MI, NV, NJ, NC, OH, OR, PA, SC, TN, TX, VA and WA, and not listed for CA, CT, MN or NY.

41 states + DCUberOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Once you've enrolled, Optional Injury Protection pays accident medical expenses up to $1,000,000 with no deductible or copay, and temporary or continuous total disability up to $500 a week. It also includes accidental death, survivor and dismemberment benefits, subject to the policy's limits and terms. Coverage applies while you're online and available for requests, en route to a pickup or delivery, and on a trip - not for personal driving or work for another company.

MassachusettsUberOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Uber provides automatic occupational accident coverage for qualifying Rides activity in Massachusetts - while you're online and waiting for a passenger trip, en route to pick one up, or on a Rides trip that started in Massachusetts. Delivery activity is treated differently.

MassachusettsLyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Lyft provides occupational accident insurance automatically and at no cost for trips originating in Massachusetts.

New YorkUber & LyftDriving to pick up a passenger · Passenger in the car

During a trip in New York, you must have $1.25 million of coverage for accidents caused by a driver with no insurance or not enough. In New York this one is mandatory rather than optional.

New JerseyUber & LyftDriving to pick up a passenger · Passenger in the car

During a ride in New Jersey, you must have $1.5 million of coverage for accidents caused by a driver with no insurance or not enough.

ArizonaUber & LyftDriving to pick up a passenger · Passenger in the car

Arizona requires commercial uninsured motorist coverage while you are providing a ride.

New YorkAmazon Flex

Amazon's free insurance does not cover Amazon Flex drivers in New York. Amazon says you may need to buy commercial coverage yourself.

New YorkUber Eats

If you deliver for Uber Eats in New York, Uber says it does not cover damage to your own car at all - in any situation.

ArizonaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

If the platform's comprehensive or collision coverage pays for your car in Arizona, the money goes to the repair shop or jointly to you and your lender.

IllinoisUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

If the platform's comprehensive or collision coverage pays for your car in Illinois, the money goes to the repair shop or jointly to you and your lender.

MinnesotaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Minnesota requires no-fault coverage the whole time you are driving for a platform. This pays some of your own medical bills and lost income regardless of who caused the accident.

MassachusettsUber

You can still buy Optional Injury Protection in Massachusetts, but Uber will not charge you for it on a Rides trip that is already covered by automatic Occupational Accident insurance.

WashingtonUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Washington lets your own insurance company refuse to cover you while the app is on. That refusal can cover everything - injuries you cause, your medical bills, your car, all of it.

MinnesotaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Minnesota lets your own insurance refuse to cover you the whole time the app is on - everything, including no-fault. But if your own policy has lapsed, the platform's insurance has to pay from the first dollar and defend you.

ConnecticutUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Connecticut lets your own insurance refuse to cover you while you are logged on or on a ride. If your car is financed, driving commercially can also break your loan terms.

North CarolinaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

North Carolina writes the exclusion straight into the law. Your own insurance can refuse everything while you are driving for a platform - injuries, medical, uninsured drivers, and damage to your car.

South CarolinaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

South Carolina lets your own insurance refuse to cover you while the app is on - and an insurer that does is also excused from providing you a lawyer.

MassachusettsUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

In Massachusetts, the platform's coverage cannot wait for your own insurer to deny you first. But your own policy may exclude rideshare driving.

ArizonaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Arizona makes platforms warn you that your personal insurance may not cover rideshare driving, and that driving a financed car for rideshare may break your loan terms.

NevadaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Nevada lets your own insurance exclude rideshare driving, including comprehensive, collision and other optional coverage. If your car is financed, that gap matters for your lender too.

IllinoisUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

In Illinois, the platform's coverage cannot wait for your own insurer to deny you first. But your own policy may exclude rideshare driving.

GeorgiaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Georgia lets your own insurance exclude rideshare driving - liability, damage to your car, medical payments and uninsured motorist coverage. The platform's coverage cannot wait for your insurer to deny you first.

MichiganUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Michigan lets your personal auto policy exclude all coverage while you are logged on or giving a ride. If your own insurance doesn't provide the required coverage, the platform's insurance must cover the claim from the first dollar - without waiting for your insurer to deny it.

PennsylvaniaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Pennsylvania lets your personal auto policy exclude any and all coverage while you are logged on or giving a ride. The platform's required coverage is primary and does not depend on your insurer denying the claim first.

MarylandUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Maryland lets your personal auto policy exclude all coverage while you provide rideshare service - including liability, PIP, uninsured motorist, comprehensive and collision. If both your insurance and the platform's apply, Maryland makes yours primary; if yours was canceled, lapsed or isn't in force, the platform's policy must cover the claim from the first dollar.

OhioUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Ohio lets your personal auto policy exclude all coverage while you are logged on or giving a ride, unless your insurer chooses to cover it. If your own insurance doesn't provide the required coverage, the platform's insurance must pay from the first dollar - without requiring your insurer to deny the claim first.

TennesseeUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Tennessee lets your personal auto policy exclude all coverage while you are logged on or giving a ride - including liability, uninsured motorist, medical payments, comprehensive and collision. Tennessee's insurance department warns that the platform's policy might not fill all of those gaps.

MassachusettsUber

Related driver protection - not insurance, and not PFML coverage itself. Eligible Massachusetts Uber Rides drivers get a payment at the end of each quarter equal to half the cost of enrolling in the state's Paid Family and Medical Leave program.

MinnesotaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Minnesota requires coverage for when the other driver has no insurance, and separate coverage for when they have some but not enough. The minimum for each is $25,000 per person and $50,000 per accident.

ConnecticutUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Connecticut requires coverage for when the other driver has no insurance or not enough, in both periods. The minimum is $25,000 per person and $50,000 per accident.

South CarolinaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

South Carolina requires coverage for when the other driver has no insurance. Coverage for when they have some but not enough is different - insurers must offer it, but you choose whether to buy it.

VirginiaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Virginia's rideshare law requires the platform's insurance to include uninsured and underinsured motorist coverage while you are logged on and during an accepted ride, as Virginia's general uninsured motorist law requires.

New YorkUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

In New York your rideshare coverage might come from two different policies - one for when you are logged on waiting, another for when you are on a trip. Your declarations page has to say which.

ConnecticutUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

If your own insurance has lapsed or does not meet Connecticut's requirements, the platform's insurance has to pay from the first dollar and provide you a lawyer. It cannot wait for your insurer to refuse you first.

New JerseyUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

If your own insurance has lapsed, New Jersey requires the platform's insurance to pay from the first dollar.

VirginiaUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

During an accepted ride, Virginia says the platform's required coverage cannot depend on your personal insurer denying the claim first. In both the waiting and ride periods the required coverage is primary, and if rideshare insurance the driver maintained has lapsed, the platform must provide it from the first dollar.

TennesseeUber & LyftOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

If your own insurance has lapsed or doesn't provide the coverage Tennessee requires, the platform's insurance must pay from the first dollar and defend the claim. It cannot depend on your personal insurer denying the claim first.

South CarolinaUber & Lyft

Because which insurance applies depends on what your app was doing, South Carolina requires the platform and the insurers to share your exact log-on and log-off times for the twelve hours either side of the accident.

ArizonaUber & Lyft

Arizona requires the platform and the insurers to share your exact log-on and log-off times for the 24 hours before the crash.

GeorgiaUber & Lyft

If your personal insurer asks, Georgia requires the platform to provide the crash date and time and your exact log-on and log-off times for 12 hours either side of the crash - within 15 days.

GeorgiaUber & Lyft

If the platform's insurer disputes that it should pay first, Georgia requires the platform to tell you and your personal insurer within 25 business days after it gets notice of the accident.

VirginiaUber & Lyft

If you were in a crash you reasonably believe involved a rideshare driver, Virginia lets you ask the platform in writing about the driver's status and insurance. The platform must respond within 30 days.

New YorkUber & Lyft

New York's rideshare insurance law covers trips that begin outside New York City. What matters is where the trip started - not where you were when the accident happened.

New YorkUber & Lyft

If you drive Uber or Lyft in New York and get hurt on the job, you have workers' compensation through a fund created by New York State. You did not sign up for it and you do not pay for it.

New YorkUber & Lyft

If a New York driver dies while working, their family may receive $100,000 through the Black Car Fund. No signup was needed.

New YorkUber & Lyft

There is a second $100,000 death benefit, and this one only pays if the driver had signed up for the Fund's Drivers Benefits Program before the accident.

New YorkUber & Lyft

The Black Car Fund has a second set of benefits you must sign up for in advance. Free to join, but you cannot enrol after something happens.

WashingtonUber & Lyft

Washington requires the app to warn you, in writing, that your own insurance might not cover you while you are driving for them. You have to click or sign to acknowledge it.

New YorkUber & Lyft

Related driver protection - not insurance. Under the NY Attorney General's settlement, Uber and Lyft drivers earn paid sick leave for passenger rides in New York: one hour for every 30 hours worked, up to 56 hours a year.

WashingtonUber & Lyft

Related driver protection - not insurance. Washington rideshare drivers earn one hour of paid sick time for every 40 hours of passenger-platform time, usable after 90 hours.

MassachusettsUber & Lyft

Related driver protection - not insurance. Under the Massachusetts Attorney General's settlement with Uber and Lyft, drivers earn 1 hour of paid sick leave for every 30 hours of engaged time, up to 40 hours a year per company. The rate is $21.22/hour, effective January 15, 2026.

OhioAll platformsOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Ohio does not require auto policies to include uninsured or underinsured motorist coverage, and we found no Ohio rideshare rule that adds a requirement. Whether you have it depends on the policies involved.

FloridaAll platforms

TexasAll platforms

MassachusettsAll platforms

In Massachusetts you must file a written crash report within 5 days if anyone is injured or killed, or if damage to any one vehicle or other property is more than $1,000.

ArizonaAll platforms

In Arizona, if anyone is injured or killed, you must notify the local police, sheriff or highway patrol immediately.

ArizonaAll platforms

If your claim is delayed, denied or settled unfairly in Arizona, you can file a complaint with the Arizona Department of Insurance and Financial Institutions.

NevadaAll platforms

In Nevada you must report a crash to the DMV within 10 days if anyone is injured or killed, or if apparent damage is $750 or more - unless police investigated and their report has the required insurance information.

NevadaAll platforms

If you think a claim was wrongly denied or is being delayed in Nevada, you can file a complaint with the Nevada Division of Insurance.

IllinoisAll platforms

In Illinois, your own insurer must communicate with you within 21 working days after you report a loss. That is a communication rule, not a deadline to settle.

IllinoisAll platforms

In Illinois you must notify police immediately if anyone is injured or killed, or if property damage is more than $1,500 - or $500 if any vehicle involved is uninsured.

IllinoisAll platforms

You can file an auto-claim complaint with the Illinois Department of Insurance. Its 21-day timeline is for the insurer to answer the Department - not for your claim to be resolved.

GeorgiaAll platforms

In Georgia you must notify law enforcement immediately if anyone is injured or killed, or if apparent property damage is $500 or more.

GeorgiaAll platforms

Georgia's insurance regulator recommends collecting police information, the other driver's details and insurance, witnesses and scene photos - and notifying your insurer promptly.

GeorgiaAll platforms

You can file a complaint about how an insurance claim was handled with the Georgia Office of Commissioner of Insurance.

TexasAll platforms

For a FIRST-PARTY Texas claim (your own insurer, not the other driver's), state law sets specific deadlines to acknowledge, decide, and pay.

MinnesotaAll platforms

Minnesota law doesn't give insurers one flat 30-day deadline - it sets several distinct deadlines for different steps.

New JerseyAll platforms

New Jersey sets specific working/calendar-day deadlines to contact you, inspect your car, and settle - and third-party bodily-injury claims get a longer window than property-damage claims.

CaliforniaAll platforms

California insurers must acknowledge your claim within 15 days, decide within 40 days of your proof of claim, and pay within 30 days of accepting a settlement.

North CarolinaAll platforms

North Carolina DOI says an insurer has 30 days after receiving a claim to acknowledge it by making a settlement offer, denying the claim, making payment, or advising that the investigation remains ongoing. This does not mean every claim must be settled within 30 days. Once a motor-vehicle claim is settled, payment should generally be mailed or delivered within 10 business days after settlement.

New YorkAll platforms

New York's Regulation 64 gives insurers 6 business days from your notice of claim to inspect your car AND make a good-faith settlement offer, if they want to inspect before repairs.

WashingtonAll platforms

Washington insurers must acknowledge your claim within 10 business days and generally complete their investigation within 30 days.

South CarolinaAll platforms

South Carolina has no universal fixed claim-payment deadline. The standard is "prompt and reasonable," and what that means depends on the investigation.

WashingtonAll platforms

Starting October 18, 2026, Washington's claims-handling rules change: insurers must acknowledge an individual-policy claim within 10 business days, generally complete the investigation within 30 calendar days, and if that is not possible, give the reason for the delay in writing - with a further written delay notice required every 30 days the claim remains unresolved. These rules apply to both first-party and third-party claim handling where applicable. They are NOT in effect yet: until October 18, 2026, Washington's current rule (10-business-day acknowledgment and a general 30-day investigation standard) still applies.

MichiganAll platforms

Michigan says your auto insurer must tell you within 30 days what information it needs. PIP benefits are overdue if not paid within 30 days after the insurer gets satisfactory proof, and vehicle damage claims may be overdue after 60 days. These are timing rules, not a deadline to settle.

PennsylvaniaAll platforms

In Pennsylvania, your own insurer must tell you within 15 working days after it receives a properly completed proof of loss whether it accepts or denies a first-party claim. If it needs more time, it must write to you at 30 days and every 45 days after. These are response rules, not settlement deadlines.

VirginiaAll platforms

Virginia insurers generally must acknowledge receipt of a claim within 15 calendar days, unless payment is made sooner. This is not a deadline requiring the entire claim to be settled.

OhioAll platforms

Ohio's claim rules give an insurer 15 days to acknowledge your claim and 21 days after proper proof of loss to accept or deny it, or explain why it needs more time. These are response rules, not a date your claim must be settled.

TennesseeAll platforms

Tennessee's claim rules give an insurer 30 days to acknowledge a claim and, for your own insurer, 60 days after a properly completed proof of loss to tell you whether it accepts or denies it. These are response rules, not settlement deadlines.

Uber & LyftApp off

With the app off, Uber's and Lyft's rideshare coverage does not apply. Uber says your personal auto insurance applies; Lyft says it has no policy that applies and directs you to your personal insurer.

PennsylvaniaAll platforms

In Pennsylvania, if you ask, your insurer must include your deductible when it seeks repayment from the at-fault side. What it recovers is shared with you proportionately. Getting your deductible back is not guaranteed.

FloridaAll platforms

NationwideDoorDashDriving to pick up the order · Order in the car

Automatic, no cost, and only during an active delivery. Medical up to $1,000,000; disability at 50% of your average weekly earnings, capped at $500 a week.

PennsylvaniaAll platforms

Ordinary Pennsylvania auto policies include first-party medical benefits with a minimum limit of $5,000. That is separate from the first-party medical amounts Pennsylvania requires during rideshare driving.

MarylandAll platforms

Maryland's minimum PIP coverage pays up to $2,500 for medical expenses, lost income and essential services after an accident - unless the coverage was waived or rejected. Not everyone automatically has it.

TexasAll platforms

Nationwide except New YorkAmazon FlexActively delivering during a delivery block

If anyone but you is driving when an accident happens, Amazon says the claim will be denied. Not reduced - denied.

UberDriving to pick up a passenger · Passenger in the car

Optional coverage Uber offers through Chubb. It pays a $2,500 lump sum if a covered accident or theft while you are en route to a pickup or on a trip leaves your car inoperable for at least 24 hours. It does not pay for the damage itself.

MassachusettsAll platforms

If another driver caused the accident, you may pursue reasonable substitute transportation against their property-damage coverage. A rental through your own insurer depends on optional coverage you bought.

ArizonaAll platforms

In Arizona, rental reimbursement is optional coverage on your own policy. Rideshare platform coverage does not supply it.

NevadaAll platforms

In Nevada, rental reimbursement is generally optional coverage on your own policy. And ordinary personal coverage may not cover every loss a rental company can charge you for.

IllinoisAll platforms

In Illinois, the at-fault driver's insurer reimburses your rental in proportion to their share of fault - generally for the normal repair period or until it offers to settle your vehicle damage. It is not automatic before liability is accepted.

GeorgiaAll platforms

In Georgia, once the at-fault driver's insurer accepts liability, it must pay your reasonable losses - including loss of use, towing and storage - subject to mitigation and your actual loss.

ConnecticutAll platforms

If another driver is clearly at fault, their insurer must pay reasonable loss-of-use compensation for your damaged vehicle - even if you never actually rent a replacement car.

OregonAll platforms

Oregon's insurance regulator advises that the at-fault driver's insurer should pay for your loss of use while your claim is reasonably being investigated - but this is regulator guidance, not a numbered legal mandate.

New JerseyAll platforms

New Jersey requires comparable rental/substitute transportation to be paid until your car is repaired (partial loss) or until the claim is settled (total loss).

WashingtonAll platforms

If you have rental coverage under your policy, Washington won't let your insurer cut it off less than 7 calendar days after sending a total-loss payment, or before that coverage is exhausted.

South CarolinaAll platforms

South Carolina's at-fault insurer must reimburse reasonable and necessary loss of use. On a total loss, many insurers pay rental or loss of use until they make a settlement offer.

ArizonaAll platforms

CaliforniaAll platforms

ConnecticutAll platforms

FloridaAll platforms

IllinoisAll platforms

MassachusettsAll platforms

NevadaAll platforms

New JerseyAll platforms

North CarolinaAll platforms

OregonAll platforms

WashingtonAll platforms

FloridaAll platforms

MarylandAll platforms

PennsylvaniaAll platforms

VirginiaAll platforms

OhioAll platforms

MichiganAll platforms

TennesseeAll platforms

Tennessee auto policies include uninsured motorist coverage unless the policyholder rejected it in writing or chose lower limits - so not every rideshare claimant has it. A personal policy may also exclude it during rideshare driving.

Uber EatsOnline, waiting for an offer · Driving to pick up the order · Order in the car

No. The coverage Uber maintains for deliveries does not pay to repair your own car during any period of a delivery. Your personal coverage may apply, but only if it covers delivery activity.

NationwideUber & LyftDriving to pick up a passenger · Passenger in the car

If Uber or Lyft pays to fix your car, you pay the first $2,500. That is far higher than the $250 to $1,000 most personal policies carry.

All platformsOnline, waiting for a request

NationwideAll platformsApp off

NationwideAll platformsOnline, waiting for a request

NationwideDoorDash

No. DoorDash's insurance does not cover damage to your own car at any point. DoorDash says that is for your own insurer to handle.

NationwideInstacart

Yes. Instacart calls it Shopper Injury Protection: free, automatic for US full-service shoppers, up to $1 million in medical expenses plus disability and survivor's benefits.

DoorDash

A rideshare add-on may not cover delivery work. DoorDash says so on its own site - an add-on might cover you before you accept an order but not during the delivery itself.

Uber

Uber requires personal auto insurance at your state's mandatory minimum limits. It says additional rideshare insurance is not required to sign up, but rideshare endorsements may be available for extra protection.

Lyft

Lyft requires personal auto insurance that meets your state's minimum coverage requirements, warns that most personal policies will not cover rideshare activity, and tells drivers to consider a rideshare policy or endorsement.

DoorDash

DoorDash requires valid personal auto insurance meeting state minimums but says it does not require special or additional insurance just to dash.

Lyft

A rental car can be used for Lyft driving when obtained through an approved program such as Express Drive; an unrelated consumer rental is not automatically approved.

Uber

Uber requires rental vehicles used on its platform to be part of an approved partnership; a normal rental is not automatically eligible.

Nationwide except Arizona, Maryland, Minnesota, Nevada, New York, Oregon, PennsylvaniaAll platformsDriving to pick up a passenger · Passenger in the car

All platformsOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

Uber & Lyft

Uber says it notifies the appropriate insurance carriers after receiving a Crash Report and the carriers investigate.

Uber & Lyft

Uber does not identify one universal carrier for every claim.

Uber & Lyft

Possibly. If your insurer recovers money from the driver who caused the crash, your deductible may come back with it. That is not guaranteed.

All platformsOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car

NationwideUber & Lyft

Uber's and Lyft's coverage for your own car only works if you already carry comprehensive and collision yourself. Liability-only drivers get nothing for their own vehicle.

NationwideUber & Lyft

No — Uber and Lyft do not provide rental reimbursement to their own drivers as part of their standard first-party rideshare coverage.

Uber & Lyft

A rental valid for ordinary personal use is not automatically authorized for Uber or Lyft driving.

Uber & Lyft

There is no single nationwide deadline. Subrogation can stay open while insurers sort out responsibility, coverage and repayment.

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NationwideAll platforms

Nationwide except Arizona, Georgia, Maryland, Massachusetts, Minnesota, New York, Oregon, Pennsylvania, South Carolina, WashingtonAll platforms

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NationwideAll platforms

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CaliforniaUber & LyftOnline, waiting for a request

California's rideshare insurance statute does not require the platform to carry uninsured or underinsured motorist coverage while you are logged on without an accepted ride. Whether you actually have coverage for uninsured and underinsured drivers then is a separate question we have not resolved - your own policy or the platform's own terms may provide it.

CaliforniaUber & LyftDriving to pick up a passenger

California's rideshare insurance statute does not require the platform to carry uninsured or underinsured motorist coverage while you are driving to a pickup. Whether you actually have coverage for uninsured and underinsured drivers then is a separate question we have not resolved - your own policy or the platform's own terms may provide it.

FloridaUber & Lyft

The $2,500 deductible you may owe for damage to your own car is set by the platform, not by Florida. We looked at the state's rideshare insurance law and it does not address deductibles at all.

TexasUber & Lyft

The $2,500 deductible you may owe for damage to your own car is set by the platform, not by Texas. We looked at the state's rideshare insurance law and it does not address deductibles at all.

WashingtonDoorDash / Instacart

Washington's rideshare workers' compensation law does not cover food delivery drivers. That does not mean you have nothing - it means this particular law is not where your answer is.

North CarolinaAll platforms

We did not find a North Carolina statute or administrative-code provision requiring a rental car during your claim. It's common industry practice, but not a legal mandate the way towing/storage protections are.

MinnesotaAll platforms

New YorkAll platforms

TexasAll platforms

WashingtonUber & LyftOnline, waiting for a request

Washington's workers' compensation does not cover a survivable injury while you are waiting for a request. But since June 2024, death benefits can reach families of drivers who die while logged on and waiting.

WashingtonUber & LyftOnline, waiting for a request

Washington's rideshare law says you must have coverage for uninsured drivers and for your own medical bills while you are logged on - but only as much as other Washington laws require, and those laws let people turn some of it down in writing.

OregonUber & LyftDriving to pick up a passenger · Passenger in the car

In Portland, an accepted ride requires $1 million of liability coverage plus $1 million for accidents caused by uninsured drivers. We have not confirmed what applies elsewhere in Oregon.

New YorkUber & Lyft

The Black Car Fund says some injury and lost-wage claims must be filed within 30 days. It does not say which ones - so call quickly rather than working out whether yours qualifies.

MinnesotaDoorDash / Instacart

Minnesota's rideshare insurance law is written around trips carrying a passenger. Delivery work falls outside it. What does cover delivery instead is a question we have not answered.

NationwideDoorDashDriving to pick up the order · Order in the car

DoorDash covers you only once you have accepted an order, through to delivery. It does not publish how much coverage that is for the states we cover, so we are not showing a figure.

Nationwide except New YorkAmazon FlexActively delivering during a delivery block

Amazon provides commercial car insurance free to delivery partners everywhere except New York. It covers three things: harm you cause to others, accidents with uninsured drivers, and damage to your own car. Amazon does not publish the amounts.