What if your rideshare driver is offline when the crash happens? In California, Uber and Lyft insurance coverage changes depending on the driver’s status — with a passenger, on the way to pick someone up, or just waiting for a ride. The limits start as high as $1M and drop when no passenger is in the car. But here’s the key: Uber and Lyft still control the driver through their app, so we’ve proven they remain responsible beyond just the base insurance coverage. At AlderLaw, we’ve recovered $3.5B