As of the time of the writing of this blog, both Uber and Lyft carry bodily injury coverage for their drivers in the amount of $1,000,000 to the extent that their driver is at fault in an accident. Of course, the policy rules could change with any policy renewal and the exact coverage is dependent on the wording of the policy and potentially the interpretation of the policy. Thus, in the above scenario, the passenger (customer) of the Uber (or Lyft) who was injured would have a case against the driver of the ride sharing company (Uber or Lyft, for example) and the insurance would indemnify the driver against judgment (pay the judgment if you wont the case) for up to $1,000.000. A one million dollar policy like this does not mean that you automatically get the $1,000,000 but it means that if you sue the driver and win, the insurance will pay the judgment amount up to the policy of $1,000,000. Thus, there is very good insurance available to the passengers in case the driver is at fault.
The above blog is limited to accidents in Florida by driver that are driving for the ride sharing company in Florida. Every case is different and needs to be evaluated on a case by case basis.
