Does Uber or Lyft insurance cover my injuries?

It depends on the driver’s app status:

• App off: Only the driver’s personal auto policy applies.
• App on, no ride accepted: Uber/Lyft provide contingent liability coverage (typically up to $50,000 per person / $100,000 per accident for bodily injury, and $25,000 for property damage) if personal coverage is insufficient.
• En route or on a trip: The rideshare company generally provides up to $1,000,000 in third-party liability coverage, plus additional protections in many cases.