Because the deductible is tied to the coverage paying for your car — not necessarily to who caused the crash.
Uber says its qualifying rideshare collision coverage can protect your car regardless of fault, but it comes with a $2,500 deductible. Lyft also lists a $2,500 deductible for its contingent comprehensive and collision coverage.
So being not at fault doesn't matter?
It still matters.
If another driver caused the accident, their insurer may ultimately be responsible for the damage.
If your rideshare insurer pays first, it may later try to recover that money from the responsible driver or insurer. That process is called subrogation.
Your deductible may be included in that recovery. Getting it back is not guaranteed.
What should I ask my adjuster?
- Is my vehicle damage being handled under rideshare collision coverage?
- Has subrogation started?
- Is my deductible included in the recovery?
- Has the other insurer accepted responsibility?
Can I get my deductible back? →How long does subrogation take? →
Coverage can vary by state. Open your state and jump straight to what we have verified.
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