Yes, but the amount of potential insurance coverage available to pay you may vary. Uber or Lyft drivers driving for their own purposes, with their apps turned off, typically carry only their own personal auto insurance coverage to protect them against financial liability for causing an accident. However, even if the driver does not have a passenger in the vehicle, if the driver has the ridesharing app engaged, the supplemental insurance provided by the ridesharing company will likely provide some additional coverage for victims if the driver causes an accident.
Uber and Lyft both offer $50,000 bodily injury coverage per person injured in an accident when a rideshare driver waits for a ride with the app turned on or drives to pick up a passenger. This supplemental coverage (meaning coverage in addition to the driver’s own auto insurance policy) provides $100,000 maximum in bodily injury coverage per accident, even if multiple parties suffer injury. It also provides up to $25,000 in compensation for damaged property.