Does Uber or Lyft insurance cover my injuries in a St. Louis rideshare crash?

Yes, but it depends on the driver’s status at the time of the accident. In Missouri, when a driver is actively transporting a passenger or en route to pick one up, Uber and Lyft carry up to $1 million in liability coverage. If the app is on but no ride has been accepted, a more limited policy may apply. When the app is off, the driver’s personal auto insurance is responsible.