The $1M Uber and Lyft commercial policy covers every person injured by a rideshare driver during an active trip on Staten Island — passengers, pedestrians crossing Richmond Avenue, drivers on the SI Expressway, and cyclists on the rare bike lane. The policy follows the rideshare vehicle during active trips, not the type of victim.
Unlike the other four boroughs, Staten Island is primarily a driving borough. That means most rideshare accident victims on the Island are either passengers in the Uber or Lyft, or occupants of other vehicles on the road. Both categories are covered by the same $1M commercial policy when the driver had an active trip.
📱 Do This Immediately After Any Rideshare Accident on SI
Open the Uber or Lyft app immediately and screenshot the trip details — driver name, photo, vehicle, license plate, and trip ID. This data is your most important evidence and can become unavailable if you wait. Screenshot it before you do anything else, then call for medical help.
No-fault PIP insurance covers initial medical expenses for vehicle occupants on Staten Island, including rideshare passengers, regardless of who caused the accident. For serious injuries, however, the no-fault coverage is quickly exhausted — and the real fight is against the rideshare insurer for the full policy value. We handle both the PIP claim and the liability claim simultaneously.
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Passengers
Directly covered by $1M policy
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Other Drivers
SI Expressway, West Shore, Hylan
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Pedestrians
St. George, New Dorp, Tottenville
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Ferry Terminal Area
Richmond Terrace approaches
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Motorcyclists
No PIP threshold — direct claim
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Cyclists
Greenway and road cyclists