It depends on whether or not the ridesharing driver is on the clock. Uber and Lyft provide insurance coverage such as liability, uninsured motorist, collision, comprehensive and personal injury protection to their on-the-clock drivers and the passengers the drivers are carrying. Drivers who are carrying passengers or who have accepted a ride request should be covered by the Uber or Lyft insurance policy.
When ridesharing drivers are not logged into the rideshare app, they are technically off the clock. As independent contractors, ridesharing drivers also have to pay for their own personal auto insurance policy.
