Generally, yes you would have a case against Uber or Lyft’s insurance. As of the time of the writing of this, both Uber and Lyft carry uninsured motorist coverage for their drivers AND THE OCCUPANTS (CUSTOMERS) of the car. Generally, these policies have $1,000,000 (THIS MAY HAVE RECENTLY BEEN LOWERED TO $250,000.00 AND OF COURSE YOU SHOULD CHECK THE AMOUNT OF COVERAGE AVAILABLE ON THE DATE OF YOUR ACCIDENT) of uninsured motorist coverage if there is a passenger in the car or if the driver is on the way to pick up a passenger in the car and $50,000 of uninsured motorist coverage if they have the application on and are waiting for the application to give them a new customer. 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 uninsured motorist policy carried by the ride sharing company’s policy of insurance for his or her injuries. It doesn’t mean that the passenger (customer) would get $1,000,000 but there would be $1,000,000 of coverage to collect against and the person could recover for their injuries, up to $1,000,000.
