🚗💥 Uber/Lyft 車禍：乘客有哪些保險？什麼時候會賠、不會賠？
許多人天天搭 Uber 或 Lyft，但真正發生車禍時，乘客到底能不能獲得賠償？這篇文章幫你把複雜的 ride-share 保險制度，用最簡單、最實用的方式解釋清楚。
🧩 一、乘客保險由三層組成
- Uber/Lyft 平台責任保險（Platform Liability）
✓ 司機 App「ON」＋「已接單」時啟動
✓ 通常提供 $1M Liability（每州可能不同）
- 司機的個人汽車保險（Driver’s Personal Auto Policy）
✓ 很多司機 沒有 專門的 rideshare endorsement
✓ 若司機沒有買，保險公司可能「拒賠」
- 對方肇事者的保險（At-fault driver insurance）
✓ 若是別的車撞 Uber，你可以向對方要求賠償
🧨 二、乘客最常獲得的賠償項目
- 🚑 醫療費（Medical Bills）
- 💼 誤工費（Lost Wages）
- 📱 財物損失（手機、行李）
- 😣 精神痛苦（Pain & Suffering）
⚠️ 三、哪些情況可能「拒賠」？
- 司機用假帳號、影子司機（shadow driver）
- 司機的保單明確排除 ride-share 用途
- 乘客沒有證據證明自己在車上
- 司機未開啟 App，平台保險未啟動
📝 四、乘客一定要記得做的事
- 📸 拍照（車牌、現場、司機 App 畫面）
- 🧾 拿收據（行程紀錄 + App screenshot）
- 📤 向 Uber/Lyft 報告事故
- 🏥 若有不適，當天就去看醫生（非常重要）
🌎 五、州差異：加州、德州、佛州、紐約
四大州的規定略有不同，但 乘客保護大方向一致：
平台責任險 > 第三方賠償 > 司機個人保險。
💡 結語
乘客通常有最強的保護，但前提是你有保留證據、App 有顯示你在車上。若你常搭 Uber/Lyft，這篇一定要收藏，避免不必要的麻煩。
🚗💥 Uber/Lyft Passenger Insurance Explained: What’s Covered & What’s Not
Many people take Uber and Lyft every day — but what happens if an accident occurs? This guide gives passengers a clear, simple breakdown of how ride-share insurance works and what protections you actually have.
🧩 1. Three Layers of Passenger Coverage
- Uber/Lyft Platform Liability
✓ App ON + trip accepted = coverage active
✓ Usually up to $1M liability (varies by state)
- Driver’s Personal Auto Insurance
✓ Many drivers do not carry rideshare endorsements
✓ Their insurer may deny the claim
- At-fault Driver’s Insurance
✓ If another car caused the accident, you can file against them
🧨 2. Common Passenger Claims
- 🚑 Medical bills
- 💼 Lost wages
- 📱 Property damage (phone, luggage, etc.)
- 😣 Pain and suffering
⚠️ 3. When Claims May Be Denied
- Shadow driver using someone else’s Uber account
- Driver’s personal policy excludes ride-share use
- No proof you were in the vehicle
- App was OFF (no platform coverage)
📝 4. What Passengers Should Do
- 📸 Take photos (plates, scene, driver’s app screen)
- 🧾 Save receipts and trip records
- 📤 Report the accident to Uber/Lyft
- 🏥 See a doctor immediately if you feel any discomfort
🌎 5. Differences Across CA, TX, FL, NY
The details vary slightly by state, but the structure stays the same:
Platform > At-fault driver > Personal auto policy.
💡 Conclusion
Passengers generally have strong protections, but evidence and timing matter. If you frequently ride with Uber/Lyft, this guide could save you a lot of trouble.