What Happens If the Other Driver Doesn't Have Insurance?

Why this varies so much by state

UM/UIM is one of the most state-fragmented parts of rideshare coverage. A few examples from what we've verified:

• New Jersey — $1.5 million during a ride, the highest figure we've found.
• New York — $1.25 million, and it's mandatory rather than optional.
• California — $60,000 per person / $300,000 per incident once a passenger is actually in the car. California's rideshare statute does not require this coverage for the earlier periods, while you're just logged on or driving to a pickup.
• Washington — $100,000 per person / $300,000 per accident once a passenger is in the car; earlier periods depend on other Washington insurance requirements.
• Connecticut, Minnesota — $25,000 per person / $50,000 per accident, in both companies' rideshare periods.
• South Carolina — coverage for a driver with no insurance at all is required; coverage for a driver with too little is optional there.

We have not yet researched this specific coverage for Florida or Texas. If you drive in either state, check with your own insurer or your state's insurance regulator before assuming any figure above applies to you.

This is not the hit-and-run question

If the other driver fled the scene rather than simply lacking insurance, that raises separate questions - like how you prove contact happened at all - that we have not yet researched. Don't assume the UM/UIM figures above answer that.

What if I was in a hit-and-run? →