Only in part of the trip. Uber's and Lyft's coverage for your own car applies once you accept a ride, through drop-off - and only if you already carry comprehensive and collision on your personal policy.
When it applies, it can pay to repair or replace your car up to its actual cash value, minus a $2,500 deductible.
By app status
- App off. Your personal policy applies. Uber's and Lyft's rideshare coverage doesn't.
- Online, waiting for a request. Uber doesn't maintain comprehensive or collision coverage for your car in this window. Lyft's published coverage for this period is third-party liability, not contingent comprehensive and collision.
- Accepted, driving to pickup or on the trip. Contingent comprehensive and collision can cover your car up to its actual cash value, if you carry those coverages personally.
Two conditions that catch drivers
- You need comprehensive and collision yourself. If you carry liability only, the platform coverage for your car never starts.
- Your personal policy may exclude app-on driving. Most personal policies exclude driving with the app on unless you've added rideshare coverage.
The $2,500 deductible
Uber and Lyft both apply a $2,500 deductible to coverage for your own car. That figure is set by the platforms, not by any state. Lyft publishes different arrangements in Arizona, Nebraska and Maryland.
Delivering instead?
Delivery works differently. Uber's delivery coverage doesn't pay to repair your own car, and neither does DoorDash's.
Why does Uber or Lyft care whether I have collision coverage? →What happens if my car is totaled? →Why do I have to pay a $2,500 deductible if I wasn't at fault? →
How your personal policy treats app-on driving can vary by state. Open your state and jump straight to what we have verified.
Still have questions?
Tell us your state, platform and what you were doing in the app when the crash happened.
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