Considerably more than while you were waiting — the step up happens at acceptance, not at pickup.
Coverage usually increases substantially once you accept a ride, but the exact liability limit depends on the state and platform. 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 in most places, and lists lower limits in some states - see below.
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 lists lower combined single limits while a driver is en route to a passenger in Maryland ($125,000) and Arizona ($250,000), and says it does not procure insurance for TLC drivers in New York City and certain New York counties, or for livery and TCP drivers. State law sets its own minimums too - open your state below.
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 depend on your state and platform. Open your state and jump straight to what we have verified.