Liability in Uber and Lyft accidents depends heavily on one key detail: whether the driver was using the app at the time of the crash. When a rideshare driver is off app, offline, or between trips, the insurance rules change dramatically. Many victims do not realize that the driver’s app status can determine which insurance company pays, how much coverage is available, and whether Uber or Lyft can be held responsible at all. This guide explains how liability works when a driver is off app, waiting for a request, or transitioning between trips.

1. Why App Status Matters So Much

Uber and Lyft only provide insurance when the driver is using the app. If the driver is off app, neither company is responsible for the accident. Instead, the driver’s personal auto insurance becomes the primary source of coverage. This makes it essential to determine exactly what the driver was doing at the time of the crash.

Learn more about Uber safety and driver policies here: https://www.uber.com/us/en/safety/

2. Liability When the Driver Is Completely Off App

If the rideshare driver is not logged into the app at all, the accident is treated like a regular car crash. Uber and Lyft do not provide:

• Liability coverage
• Collision coverage
• Uninsured motorist coverage
• Any financial assistance

Victims must pursue the driver’s personal insurance policy, which can be more restrictive and less generous than rideshare specific coverage.

3. Liability When the Driver Is Online but Waiting for a Ride

When a driver is online and waiting for a request, Uber and Lyft provide limited liability coverage. This is known as “Period 1.” Coverage typically includes:

• $50,000 per injured person
• $100,000 per accident
• $25,000 for property damage

This coverage activates only if the driver’s personal insurance does not apply or is insufficient.

4. Liability When the Driver Has Accepted a Ride

Once the driver accepts a ride request, they enter “Period 2,” which significantly increases available insurance. This includes:

• Up to $1 million in liability coverage
• Uninsured and underinsured motorist coverage (varies by state)
• Contingent collision coverage for the driver’s vehicle (with deductible)

Coverage remains active while the driver is on the way to pick up a passenger.

5. Liability While the Driver Is Transporting a Passenger

When a passenger is in the vehicle (“Period 3”), the highest level of coverage applies. Anyone injured during this period typically has access to:

• $1 million liability coverage
• Medical bill compensation
• Lost wages
• Pain and suffering damages

Passengers are almost never found at fault, which strengthens their claims.

Review Lyft’s safety and ride insurance information here: https://www.lyft.com/rider/safety

6. How to Prove the Driver’s App Status

Insurance companies will often dispute whether the driver was online. Evidence that helps prove app status includes:

• Ride receipt screenshots
• App trip history
• GPS data
• Phone records
• Witness statements
• Surveillance video of the vehicle
• Rideshare company driver logs

An attorney can obtain this information through legal demands or preservation letters.

7. What Happens if the Driver Lies About Being Offline

Some drivers claim they were off app to avoid problems with Uber or Lyft, or to avoid higher insurance deductibles. However, rideshare companies store exact timestamps for when the driver was online or accepting trips. App data will show:

• When the driver logged in
• When they accepted a request
• When the trip started
• When it ended

If the driver lies, the data will expose it.

8. Coverage Problems Victims Face When the Driver Is Between Trips

Between trips, victims often deal with:

• Low insurance limits
• Denials from the driver’s personal insurance
• Delays in determining liability
• Conflicting statements from multiple insurance companies

These issues can make the claims process slow and frustrating.

9. Injuries Are Often the Same, Even if App Status Is Different

Whether the driver was on app or off app, injuries can be severe. Common injuries include:

• Whiplash
• Concussions
• Back injuries
• Broken bones
• Shoulder and knee injuries
• Soft tissue damage

The difference lies in the insurance coverage available, not the seriousness of the injuries.

10. Why Legal Representation Is Critical in Off App and Between Trip Cases

Uber and Lyft often deny coverage claims by arguing the driver was offline. An attorney can:

• Obtain app records
• Subpoena phone data
• Analyze GPS logs
• Identify the correct insurance
• Fight denials
• Maximize compensation

These cases require strong evidence and skilled negotiation.

Final Thoughts

Liability in Uber and Lyft accidents depends almost entirely on whether the driver was off app, waiting for a request, or in the middle of a trip. Understanding these distinctions is crucial for victims seeking full compensation. With the right evidence and legal guidance, victims can uncover the driver’s exact app status and pursue the highest available coverage.