Source: The Rideshare Guy
Uber and Lyft drivers operate under a dangerous misunderstanding: the platforms' $1 million commercial liability policy doesn't cover most claims drivers expect it to, leaving them personally liable for accidents, medical bills, and lawsuits. Gig platforms have outsourced insurance risk to workers while marketing protection that functions more like liability theater than actual coverage. As driver litigation increases and state regulators examine gig work classification, this insurance gap is becoming a flashpoint for labor disputes and potential legislative action on who bears the true cost of the platform economy.