# California Uber and Lyft Insurance: Ride Status and Coverage

Canonical: https://sanjosecacaraccidentlawyer.com/california-law/rideshare-insurance/

Reviewed by Andrew Ronald Gillin; reviewed 2026-11-05.

California rideshare coverage changes with trip status. Liability coverage and passenger uninsured or underinsured motorist coverage are distinct.

## California rideshare liability insurance by trip stage

The chaptered text of SB 371 addresses $1 million in primary liability coverage during the covered accepted-trip period and passenger UM/UIM of $60,000 per person and $300,000 per incident. It also addresses policy priority. Do not read those different figures as amounts every claimant can add together.



Sources: [SB 371, chaptered 2025](https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB371); [Insurance Code section 11580.2](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=11580.2.)

## Passenger UM/UIM coverage under SB 371

Review the crash date, trip stage, role of each person, and policy version. A receipt or app record may help establish status. Other potentially applicable insurance requires separate review. This guide does not determine an insurer’s duty or the amount a person can recover.



Sources: [SB 371, chaptered 2025](https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB371); [Insurance Code section 11580.2](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=11580.2.)

## Other policies require separate review

For a useful review, keep the following information together. You do not need to enter it on this website.

- The actual policy, bill, report, or notice involved.
- Dates and facts that could change which rule applies.
- The questions you want an attorney to answer before you take a step.

Sources: [SB 371, chaptered 2025](https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB371)

## Court decisions about california uber and lyft insurance: ride status and coverage

### Waller v. Truck Ins. Exchange, Inc.

(1995) 11 Cal.4th 1, pp. 18–19. The court read the policy to decide if a loss might be covered. What the contract says matters.

Limits: This was a business policy. It does not show what your own car policy pays.

[Read the opinion](https://law.justia.com/cases/california/supreme-court/4th/11/1.html)

## Related resources

- [San Jose Uber and Lyft Accidents: Insurance and Legal Help](https://sanjosecacaraccidentlawyer.com/uber-lyft-rideshare/)
- [California Crash Insurance Coverage Explainer](https://sanjosecacaraccidentlawyer.com/tools/coverage-explainer/)
- [California Crash Medical Bills: Insurance, Liens, and Damages](https://sanjosecacaraccidentlawyer.com/california-law/medical-bills/)

## Legal and agency sources

- [SB 371, chaptered 2025](https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB371)
- [Insurance Code section 11580.2](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=11580.2.)
- [Waller v. Truck Ins. Exchange, Inc. (1995) 11 Cal.4th 1](https://law.justia.com/cases/california/supreme-court/4th/11/1.html)

General information, not legal advice. Examples are hypothetical.