An accident with an Uber or Lyft driver is handled the same way any accident is handled. That is, a plaintiff must be able to prove all the elements of a prima facie negligence claim against the Uber or Lyft driver, but the insurance carrier changes from that driver's personal policy (the one used when they are not driving for Uber or Lyft), to their Uber or Lyft policy. Uber policies seem to universally be with James River Insurance, and Lyft has a similar carrier that writes and administers policies for their drivers. Naturally, if the negligence of the particular driver is within the scope of driving for the particular company, the carrier will defend and indemnify the driver; if the driver was not working at the time (on the way to pick up a passenger or drop a passenger offer) personal coverage would kick in.
Uber and Lyft policies also seem to offer, again across the board to all of their drivers, $1,000,000.00 (one million dollars) in liability coverage, which is considerably more than the vast majority of policies for private drivers.
If you are a passenger in an Uber or Lyft vehicle, and the driver of that vehicle is not at fault, you may still be entitled to first party medical coverage, and even potentially wage loss reimbursement (Medical-Payment and/or PIP coverage). Please keep in mind that pursuing this particular claim may require the timely filing of an application form (often within one year from the date of accident), and may even preclude the liability claim. Because of this, and many other factors, it is always a good idea to discuss the claim with Uber and Lyft accident lawyer, Roger Gelb, without delay.