The driver’s personal auto insurance policy would apply. Uber & Lyft policies wont kick in.
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Uber & Lyft: $50k bodily injury per person, $100k bodily injury per accident, & $30k property damage.
Note that Uber also has $200k additional liability.
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Uber & Lyft: $1,000,000 policy and $1,000,000 uninsured or underinsured policy
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Uber & Lyft: $1,000,000 policy and $1,000,000 uninsured or underinsured policy.
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