Considerably more than while you were waiting \u2014 the step up happens at acceptance, not at pickup.
Once you accept, both platforms describe at least $1 million in third-party liability coverage, and vehicle-damage coverage becomes available if you carry comprehensive and collision yourself.
What changes at acceptance
The moment you accept, you move out of the waiting window and into what is often labelled Period 2. Lyft's insurance page describes at least $1 million in third-party liability while you are en route to a passenger or on a ride.
Uber describes its vehicle-damage coverage as applying when you are en route to or on a trip.
Damage to your own car
Both platforms make this contingent: it works only if you already carry comprehensive and collision on your personal policy. Without those, there is nothing for the platform coverage to sit on top of.
Both list a $2,500 deductible, and it applies regardless of who caused the crash.
State variations still apply
Limits are not uniform. Lyft notes Maryland uses $125,000 combined single limits while a driver is en route to a passenger, and that it does not procure insurance for TLC drivers in New York City and certain New York counties, or for livery and TCP drivers.
What about while I was just waiting? →Why do I owe a deductible if I wasn't at fault? →What if the driver who hit me left? →
Limits during an accepted trip are set by your state. Open your state and jump straight to what we have verified.