When the app is off
If an Uber or Lyft driver causes an accident that injures you when they are not logged in to the app, they are deemed to be solely responsible for the accident. This means you can only sue the driver for compensation, and not Uber or Lyft. Most ridesharing companies, including Uber and Lyft, require drivers to carry insurance. However, there are often issues here regarding whether the insurance in question provides commercial or personal coverage. Generally, personal policies will not apply if the vehicle was being used for commercial purposes at the time of the accident.
When the app is on and the driver is deadheading
Where the rider is logged on to the app but is between fares, both the ridesharing company and the rider will be liable. This means you claim against the driver, and then Uber or Lyft. However, both Uber and Lyft have capped the extent of compensation they will provide here. The limit of the coverage is $50,000 for bodily injury or $100,000 per accident, and $25,000 for property damage.
When the app is on and the driver is on a trip
Finally, if the app is on and the driver is carrying a fare or heading to pick them up, both Uber and Lyft will be responsible. But in this case, coverage minimums from Uber and Lyft are usually up to $1 million.