Who pays for repairs after an Uber or Lyft accident?

It depends on what the app was doing at the time. With the app off you are driving personally and your own auto policy applies. With the app on but no request accepted, the rideshare company typically provides limited liability coverage but generally not collision or comprehensive, while most standard personal policies exclude commercial use — this is the coverage gap. Once a request has been accepted, whether en route to the pickup or with a passenger on board, the rideshare company's commercial coverage generally applies, including collision and comprehensive for your own vehicle, usually conditional on you also carrying collision and comprehensive personally, and subject to a deductible. Coverage varies by carrier, policy and state, so confirm details with the rideshare company and your insurer.

What is the rideshare insurance coverage gap?

The gap occurs when a driver has the app switched on and is waiting for a ride request. In that state the rideshare company typically provides only limited liability coverage and generally does not cover damage to the driver's own vehicle, while most standard personal auto policies exclude commercial use — which logging into a rideshare app can constitute. The result is that collision damage during this period may be covered by neither policy.

How do I close the rideshare insurance gap?

Most major insurance carriers offer a rideshare endorsement, an add-on to a personal auto policy that extends coverage into the period when the app is on and the driver is waiting for a request. It typically costs a modest amount per month. Drivers who work regularly should contact their insurer to ask whether their policy includes one.

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When your car is your primary source of income, an accident is not just an inconvenience—it is a direct disruption to your livelihood. You need it back on the road, lookinxg and running like new, fast.
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Who pays for your repair? It depends on the app.

When you drive for Uber or Lyft, your insurance changes depending on what the app was doing at the moment of the accident. Most drivers don't find this out until they're filing a claim. Here's how it generally breaks down — and where the gap is.

Your policy

App off

You're driving for yourself, so your personal auto policy applies exactly as it normally would. Nothing about rideshare enters into it.

The gap

App on, waiting for a request

This is the one that catches people. The rideshare company typically provides some limited liability coverage here — but generally not collision or comprehensive, so damage to your own car often isn't covered by them.

And most standard personal auto policies exclude commercial use. Logged in and waiting can count as commercial use, which means your own insurer may decline as well.

Rideshare policy

En route to a pickup

Once you've accepted a request, the rideshare company's commercial coverage generally takes over — liability, plus collision and comprehensive for your own vehicle in most cases.

Important condition: coverage for your own car usually requires that you carry collision and comprehensive on your personal policy too, and a deductible applies.

Rideshare policy

Passenger on board

Same as en route. The commercial policy is generally in effect from acceptance through drop-off, with the same conditions and deductible.

We're a body shop, not an insurance advisor. The above is a general outline, and the details vary by carrier, by policy, and by state — and rideshare companies change their terms. We've deliberately left deductible amounts off this page rather than publish a figure that might be out of date. Confirm yours on Uber's insurance page and with your own insurer before you rely on it.

There's a way to close the gap

Most major carriers now sell a rideshare endorsement — an add-on to your personal policy that extends coverage into the app-on-waiting period. It's usually a modest monthly cost, and it's the difference between a covered repair and paying out of pocket.

If you drive regularly and don't have one, it's worth a call to your insurer. We don't sell insurance and have nothing to gain by telling you this — but we see the drivers who find out the hard way.

What we do about it

Work out which policy applies. Bring your trip record — the app timestamp tells us which period you were in, and that determines who we bill.
Handle the claim either way. We work with every major carrier and with rideshare claims. You don't chase adjusters.
Tell you the number first. Free written estimate, so you can compare it against your deductible before deciding whether to file at all.
Get you back online. Priority scheduling, free pickup and delivery, and loaner or rental options while the work is done.

Damaged car, and not sure who covers it? Bring us the trip record.

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UBER Collision Repair

Are you a Rideshare Professional and Got into Accident? We are Preferred Auto Body Repair Shop for UBER Drivers. Call now For Quality Auto Body Repairs

Brands we are certified to repair

I-CAR Gold Class — held by about 15% of collision repair shops

I-CAR Platinum technicians and VIN-documented repairs

Collision Repair for Uber Drivers

Give your car a repair it deserves

Who pays for your repair? It depends on the app.

App off

App on, waiting for a request

En route to a pickup

Passenger on board

There's a way to close the gap

What we do about it

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