What If Your Rideshare Driver Is Uninsured?
When you get into an Uber or Lyft, you expect protection if an accident happens. But what if your rideshare driver is uninsured—or their personal policy denies coverage?
This situation is more common than most passengers realize. Rideshare insurance in Alberta is complex, and coverage gaps can leave you uncertain about how to recover compensation for injuries and losses.
As Alberta injury lawyers, we've handled numerous rideshare accident claims and understand exactly how insurance works—and what to do when coverage is disputed or denied.
This guide explains how rideshare insurance works, what happens when a driver is uninsured, and the steps you should take after a crash to protect your rights and secure compensation.
Are Rideshare Drivers Required to Have Insurance?
Yes. All Uber and Lyft drivers in Alberta must have valid insurance—but coverage isn't always straightforward.
Rideshare drivers operate under two layers of insurance:
When "Uninsured" Really Means "Coverage Dispute"
In most Alberta rideshare cases, the driver isn't truly uninsured — instead, insurers are **fighting over who should pay.**
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
And ensure police attend the scene.
Take Screenshots
Showing trip details, driver name, and time.
Photograph the Scene
Vehicles, and visible injuries.
Get Witness and Driver Contact Information
Collect details from anyone who saw the accident.
Report the Crash
To Uber or Lyft through the app.
Request a Copy of the Police Report
Ask how to obtain the official report.
Avoid Discussing Fault
Or giving insurer statements.
Contact an Alberta Rideshare-Accident Lawyer
Immediately to preserve evidence.
How a Lawyer Helps in Uninsured Rideshare Cases
Rideshare insurance disputes can take months to resolve, especially when multiple insurers deny responsibility. A lawyer ensures you're not left waiting.
Obtain Uber/Lyft Trip Data
Confirming app activity.
Identify Which Policy Applies
Personal, commercial, or MVAC.
File Claims Under Multiple Insurers
Simultaneously.
Coordinate Medical, Rehabilitation, and Income Benefits
Ensuring you receive all available coverage.
Negotiate or Litigate
To secure full compensation.
Case Example
A Calgary passenger suffered whiplash and a concussion when her Lyft driver ran a red light. The driver's personal insurer denied coverage for "commercial use." We accessed Lyft's commercial policy and secured **$240,000** for medical care and lost income.
Frequently Asked Questions
Conclusion
Even if your rideshare driver is uninsured, Alberta law ensures you're not left without protection. Between Uber/Lyft's commercial policy and the Motor Vehicle Accident Claims Program, there are always paths to recovery — but the process can be complex and time-sensitive.
Get medical help immediately
Save your trip screenshots and receipts
Report the accident through the app
Contact a lawyer early to confirm coverage and file on time