How much insurance is available after a Georgia Uber or Lyft accident?

At a glance

Georgia has a waiting period and one continuous accepted-ride period

Georgia’s personal-auto minimum of 25/50/25 is confirmed by the Georgia Office of the Commissioner of Insurance and Safety Fire. The higher rideshare limits are separate requirements under O.C.G.A. § 33-1-24.

Important company-document caveat: Uber’s current Georgia certificate, effective March 1, 2026 through March 1, 2027, matches Georgia’s current 50/100/50 waiting-period requirement. Lyft’s current Georgia certificate, effective October 1, 2025 through October 1, 2026, lists 50/100/25 for the waiting-period non-owned-auto coverage — only $25,000 of property-damage liability even though the current Georgia statute requires $50,000. Lyft’s general insurance page also describes a $25,000 waiting-period property-damage limit. The public certificate does not show whether another endorsement or policy supplies the additional $25,000 required by Georgia law. For that reason, this page states the statutory minimum in the table rather than treating Lyft’s certificate as proof that Georgia law permits a lower amount.

The relevant current company documents are the Uber Georgia Certificate of Liability Insurance, 03/01/2026–03/01/2027 and the Lyft Georgia Certificate of Liability Insurance, 10/01/2025–10/01/2026.

State guide

When exactly does Georgia’s $1 million period begin?

Georgia defines two rideshare-service periods.

The first begins when the driver is logged onto the TNC’s digital network and available to accept a request. It continues until the driver logs off, except during the accepted-ride period.

The second begins when the driver accepts a ride request. It continues until the driver completes the transaction or the ride is complete, whichever is later. That definition appears in the original enactment of O.C.G.A. § 33-1-24(a)(5).

That means Georgia does not create a lower liability tier for the drive to pickup. The $1 million requirement starts at acceptance, before the passenger gets into the vehicle.

It also means the end of the higher period is not necessarily reduced to the instant a passenger steps out. The statutory endpoint is the later of completion of the transaction or completion of the ride. For an accident close to drop-off, the trip record and app timestamps matter.

State guide

Who can provide the required rideshare insurance?

Georgia requires the TNC to maintain or cause to be maintained a primary motor-vehicle insurance policy covering the driver’s rideshare activity.

The statute allows the requirement to be satisfied by:

• a commercial motor-vehicle policy purchased by the TNC or the driver; or
• a rider, endorsement, or express TNC provision in the driver’s personal policy, which can be combined with an excess policy supplied by the TNC.

If driver-maintained coverage that was being used to satisfy the statute lapses or ceases to exist, the TNC must provide coverage that becomes primary beginning with the first dollar of the claim. The statute also says TNC-maintained coverage cannot depend on the personal auto insurer first denying the claim. Those rules are in Georgia House Bill 190, lines 62–83 and 108–132 of the enacted insurance section.

So “the driver has personal insurance” is not enough by itself to answer which policy should respond. The policy has to actually cover the rideshare activity and satisfy Georgia’s TNC requirements.

Why it matters

App status can change both the amount and the kind of coverage available

A serious injury claim can look very different depending on whether the rideshare driver had merely turned the app on or had already accepted the trip.

During the waiting period, the statutory liability limits are split: no more than $50,000 for bodily injury to one person, no more than $100,000 for bodily injury to everyone in the accident, and $50,000 for property damage.

At acceptance, Georgia changes to a $1 million per-occurrence liability limit and adds a rideshare-specific uninsured/underinsured motorist requirement. That can matter even when the rideshare driver did nothing wrong. If another motorist causes the accident and has no insurance or too little insurance, the accepted-ride UM/UIM coverage becomes a separate potential source of recovery.

Personal auto coverage cannot safely be assumed to fill any gap. Georgia expressly allows a personal auto insurer to exclude coverage for losses occurring while a driver is logged into a TNC network or providing TNC services. The required driver disclosures specifically warn that exclusions can reach liability, physical damage, medical payments, uninsured/underinsured motorist coverage, and other first-party claims. Georgia House Bill 190 contains those exclusion and disclosure provisions.

Georgia changed the rideshare UM/UIM amount in 2023

The accident date matters for older Georgia claims.

The original 2015 TNC statute required at least $1 million in uninsured and underinsured motorist coverage per incident during the accepted-ride period. House Bill 529 changed that requirement to $100,000 per person / $300,000 per accident for bodily injury and $25,000 for property damage, effective July 1, 2023, for causes of action accruing on or after that date.

The $1 million liability requirement did not disappear. The 2023 amendment changed the TNC-specific UM/UIM minimum.

Uninsured & underinsured motorist coverage

Liability coverage and UM/UIM solve different problems

Liability coverage protects against harm caused by an at-fault insured driver. Uninsured and underinsured motorist coverage protects an insured person when the motorist who caused the accident has no usable liability coverage or does not have enough to cover the loss, subject to the policy and Georgia law.

Georgia’s general personal-auto UM statute works differently from its TNC statute. Under O.C.G.A. § 33-7-11, a Georgia auto policy includes uninsured-motorist protection unless the named insured rejects that coverage in writing. When coverage is retained, the default limit is generally the policy’s liability limit if that liability limit exceeds the statutory UM minimum, unless the insured affirmatively selects a lower UM limit. The Georgia Court of Appeals has held that an affirmative selection of lower UM limits does not itself have to be in writing, unlike a complete rejection of UM coverage. See Jones v. Georgia Farm Bureau Mutual Insurance Co. (Georgia Court of Appeals, 2023).

Georgia also has two forms of UM/UIM protection: “added-on” coverage and “reduced-by” coverage. Added-on coverage is the statutory default for modern policies; reduced-by coverage can be selected instead in writing. The Georgia Court of Appeals explains that distinction in Cline v. Allstate Property & Casualty Insurance Co. (2020).

For a current accepted rideshare trip, however, O.C.G.A. § 33-1-24 separately requires the TNC policy to carry at least $100,000 / $300,000 bodily injury and $25,000 property-damage UM/UIM. That rideshare floor is not merely a voluntary amount appearing on a company website.

Uber

Uber’s current Georgia certificate is issued by Farmers Insurance Exchange and is effective March 1, 2026 through March 1, 2027.

For the waiting period, it lists:

• $50,000 bodily injury per person;
• $100,000 bodily injury per accident;
• $50,000 property damage; and
• no uninsured/underinsured motorist coverage.

For the accepted-ride period, Uber lists:

• a $1,000,000 combined single liability limit; and
• uninsured/underinsured motorist coverage of $100,000 per person / $300,000 per accident for bodily injury, plus $25,000 property damage.

The certificate defines that accepted Uber period as a driver who has recorded acceptance and is en route to the pickup location or traveling to the final destination. See the current Uber Georgia certificate.

The certificate does not list a Georgia PIP or medical-payments benefit. Georgia’s TNC statute does not impose a separate mandatory PIP or MedPay amount, and Georgia’s insurance department describes medical-payments coverage as an optional auto coverage. Georgia Office of the Commissioner of Insurance and Safety Fire — Auto Insurance.

Lyft

Lyft’s current Georgia certificate is issued by State Farm Fire and Casualty Company and is effective October 1, 2025 through October 1, 2026.

It lists:

• $1,000,000 combined single-limit liability for the accepted-ride policy;
• uninsured-motorist bodily-injury limits of $100,000 per person / $300,000 per accident;
• $25,000 uninsured-motorist property damage with a $250 deductible; and
• the UM form as “Reduced.”

It also lists contingent comprehensive and collision coverage with a $2,500 deductible, with physical-damage coverage limited to actual cash value or repair cost, whichever is less.

The same certificate lists waiting-period non-owned-auto liability of $50,000 per person / $100,000 per accident / $25,000 property damage. That $25,000 property-damage figure conflicts with Georgia’s current statutory $50,000 requirement. The certificate itself does not reveal whether another endorsement or policy supplies the difference. See the current Lyft Georgia certificate.

Because an ACORD certificate is evidence of coverage rather than the insurance contract itself, the underlying Lyft/State Farm policy and Georgia TNC endorsement should be obtained for an accident where that waiting-period property-damage limit matters.

State guide

Does Atlanta have a different rideshare insurance system?

Not for ordinary app-based TNC rides.

Georgia has broadly preempted local regulation of rideshare network services. The statute preserves authority for county and municipal airports to regulate rideshare operations at their facilities, but that is not a separate citywide insurance tier. The preemption language is in O.C.G.A. § 40-1-191 as amended by Georgia legislation.

Special commercial or limousine operations are different. This page addresses ordinary Uber and Lyft transportation-network-company trips, not independently insured limousine, taxi, or other commercially registered service.