Rideshare Insurance Gaps Explained
Ridesharing — Uber and Lyft — is common across Alberta, but insurance coverage during accidents can be surprisingly complex. Many drivers and passengers mistakenly believe they're fully protected, but **insurance gaps** can leave them unprotected, especially between trips or during app malfunctions.
As Alberta injury lawyers, we've seen firsthand how these gaps cause delays, denials, and confusion. This guide explains how rideshare insurance works, where gaps occur, and how to stay protected.
How Rideshare Insurance Works in Alberta
Uber and Lyft are required to carry commercial insurance policies for drivers, passengers, and third parties — but this coverage applies under specific conditions.
Rideshare coverage operates in three distinct "phases":
Where Insurance Gaps Occur
Despite mandatory policies, there are still periods when rideshare drivers — and sometimes passengers — aren't fully protected.
Between Rides
When a driver is logged into the app but waiting for a request, there's no coverage for their own vehicle damage.
App Errors or Downtime
If the app disconnects or crashes before pickup, coverage may lapse.
Driver Policy Exclusions
Some personal insurers deny claims if the driver was using their vehicle for commercial purposes without disclosure.
Uninsured or Underinsured Third-Party Drivers
When another at-fault driver lacks adequate coverage, the gap must be filled by Uber's commercial insurer — but only if app data confirms activity.
Unclear Trip Status
If the accident happens seconds before or after trip acceptance, insurers may dispute which policy applies.
Steps to Take After a Rideshare Accident
Taking immediate action after a rideshare accident is crucial to preserve evidence and protect your rights:
Call 911
Ensure police document the crash.
Take Screenshots
Showing app activity and trip status.
Get Driver, Passenger, and Witness Information
Collect contact details from all parties involved.
Photograph the Scene
Vehicles, and injuries.
Report the Accident
Through the Uber/Lyft app.
Contact Your Insurer
If you were driving.
Avoid Giving Statements to Other Insurers
Until you get legal advice.
Contact an Alberta Rideshare-Accident Lawyer Quickly
To preserve trip data.
How a Lawyer Closes Insurance Gaps
An experienced rideshare-accident lawyer can ensure victims aren't left unprotected between insurers. We:
Retrieve Uber/Lyft Trip Data
Retrieve **Uber/Lyft trip data** showing app activity and timestamps.
Identify Which Policy Was Active
Identify **which policy** was active at the moment of impact.
Handle Communication with Multiple Insurers
Handle communication with **multiple insurance adjusters**.
Secure Medical and Income Benefits
Secure medical, income, and rehabilitation benefits while fault is determined.
Pursue Litigation or Settlement
Pursue **litigation or settlement** when insurers dispute responsibility.
Frequently Asked Questions
Conclusion
Rideshare insurance is meant to protect drivers and passengers — but gaps between personal and commercial policies can leave victims vulnerable. Knowing when Uber or Lyft's coverage applies, and how to prove it, is essential to securing fair compensation.
Save screenshots and trip data
Notify all relevant insurers
Avoid quick settlements
Contact a lawyer immediately