Inicio » Blog » ¿Qué pasaría si el conductor del servicio de transporte compartido tuviera la culpa y no tuviera seguro en California?
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Última modificación el 23 de octubre de 2026
Getting hit by an Uber or Lyft driver is stressful enough. Finding out that the driver has no personal auto insurance can feel like your claim just fell apart. California law anticipated this problem. Rules built specifically for rideshare companies mean a driver’s personal insurance status often has little to do with whether you get paid.
Figuring out which policy applies takes digging into app logs and trip data. El equipo en Bentley & More LLP reviews these details for free so you know where your claim stands.
Puntos clave
- California requires Uber and Lyft to carry commercial insurance that often applies no matter what the driver’s own policy looks like.
- Coverage amounts shift depending on whether the driver was waiting for a match, en route, or carrying a passenger.
- If the driver was logged off the app entirely, standard personal auto rules.
The Driver Is Covered When the Uber or Lyft App Is On
Once a driver is logged in and waiting for a match, the rideshare company’s insurance applies. At this stage, coverage of at least $50,000 for death and personal injury per person, $100,000 per incident, and $30,000 for property damage takes effect. Because liability thresholds vary dramatically across shift periods, contacting a trusted rideshare accident lawyer helps preserve app metadata and secure maximum benefits.
Once the driver accepts a ride or has a passenger in the vehicle, rideshare companies must provide $1 million in primary commercial insurance. That commercial policy applies instead of the driver’s personal policy.
What Happens if the Driver Was Off the App When the Crash Happened?
If the driver was not logged into the app at all, the rideshare company’s insurance does not apply. The crash is treated like any collision between two private drivers.
California drivers must carry at least $30,000 for bodily injury to one person, $60,000 total per accident, and $15,000 for property damage. If the off-duty driver had no insurance, your own uninsured motorist coverage may apply. If you suffer severe injuries in a traffic collision, consulting an experienced car accident lawyer helps protect your right to full financial recovery. You may also be able to use your health insurance or bring a demanda por daños personales contra el conductor.
Preguntas frecuentes
Does Uber’s insurance cover me if the driver was driving without insurance and using the app?
Usually yes, as long as the driver was logged into the app at the time of the crash. The commercial policy applies regardless of the driver’s personal coverage.
What if the rideshare driver was not logged into the app during the crash?
Then the rideshare company’s insurance does not apply. The crash is treated as a standard auto accident. You would look to the driver’s personal policy, your own uninsured motorist coverage, or a direct claim against the driver.
¿Cuánto tiempo tengo para presentar una demanda después de un accidente de transporte compartido en California?
California’s general personal injury deadline is dos años from the date of the crash. Waiting too long can mean losing access to app data and witness accounts, so getting an attorney involved sooner is important.
Can I sue the Uber or Lyft driver personally for my injuries?
Yes, though recoveries often come through the layered insurance system rather than the driver’s own pocket. An attorney can advise you on this issue after reviewing your case.
Bentley & More LLP: Un bufete de abogados especializado en accidentes de transporte compartido California
Finding out the driver who hit you had no insurance is frightening, but it rarely means the end of your claim.
California’s layered coverage system was built for this gap. Sorting out which policy applies takes a close look at trip data and available evidence. Bentley & More LLP takes an investigative, trial-ready approach to injury claims and has recovered more than $735 million for clients.
If a rideshare driver caused your injuries and you are not sure who is responsible for paying, Póngase en contacto con nuestra firma hoy mismo.
Acerca del autor: Greg Bentley
Cofundador y abogado litigante en Bentley & More LLP
Greg Bentley es cofundador de Bentley & More LLP en Newport Beach, California. Con 36 años de experiencia, representa a demandantes en casos de lesiones personales, muerte por negligencia, responsabilidad por productos defectuosos, mala fe de las aseguradoras, condiciones peligrosas en carreteras y propiedades, y defectos en obras de construcción. Habilitado para ejercer en el Colegio de Abogados de California, Greg obtuvo su título de Doctor en Derecho en la Facultad de Derecho de la Western State University en 1990. Es miembro de varias organizaciones de abogados litigantes a las que solo se puede ingresar por invitación, entre ellas el Colegio Americano de Abogados Litigantes y la Academia Internacional de Abogados Litigantes, y participa activamente en múltiples asociaciones de abogados litigantes a nivel estatal y regional.
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