How Does Uber/Lyft Liability Coverage Work in South Carolina?

Uber and Lyft are becoming more and more popular transportation options in the South Carolina area. However, even though these rideshare services are known to be accessible and dependable, they are as prone to be involved in accidents on the road as any other automobile. If you received injuries while using this service, you must be aware that these companies have liability coverage programs in place to protect you. Read more to find out how a proficient Chesterfield County car accident lawyer at Cockrell Law Firm, P.C. can help you file your claim.

What are the common causes of Uber/Lyft accidents in the state of South Carolina?

Perhaps the cause of your Uber/Lyft accident was due to hazardous road or weather conditions. But more likely, it was caused by the negligence of your rideshare driver or the other party. An example of such negligence is reckless driving, whether it be ignoring traffic lights and signs, speeding, tailgating, etc. Also, there is distracted driving, which can be texting or looking at a GPS while driving. And lastly, this can be seen through driving while drowsy or fatigued or driving while under the influence of alcohol or drugs, which creates slowed reflexes and poorer decision-making abilities.

How can I receive compensation via the Uber/Lyft accident liability coverage program?

Lucky for you, the state of South Carolina endorses Uber/Lyft’s liability coverage system. So, you are eligible to receive financial compensation after your rideshare accident injury if your circumstances align with any of the following periods:

  • Period 0: an Uber/Lyft driver is not yet logged into the rideshare app, and later on is involved in an accident. The company will likely not provide liability coverage, so you will have to sue the driver’s insurance directly.
  • Period 1: an Uber/Lyft driver has logged into the rideshare app but has not accepted a ride, and later on is involved in an accident. The company will likely provide liability coverage of up to $50,000 per person injured in the accident, with $100,000 in total injury liability per accident and $25,000 in property damage liability.
  • Period 2: an Uber/Lyft driver has accepted a ride and was en route to pick up the person, and later on is involved in an accident. The company’s liability coverage will likely increase to up to $1 million.
  • Period 3: an Uber/Lyft driver causes an accident while you are in their car. The company will likely provide you with up to $1 million in liability coverage, and the driver with limited coverage for their car and uninsured motorists’ coverage.

If any of the above incidents apply to you, contact a talented Chesterfield County auto accident lawyer today to kickstart your claim.


For competent and trustworthy legal counsel involving criminal law, personal injury law, divorce & separation, and family law, contact The Cockrell Law Firm, P.C. today to schedule your free initial consultation.