This is exactly the question Uber and Lyft don't want you asking too clearly — because the answer depends on timing, and the answer affects how much they're on the hook for. In Michigan, the short version is:
- Your own PIP coverage (if you have a Michigan auto policy) is typically the first payer for your medical bills and wage loss, regardless of fault — that's Michigan No-Fault law.
- Uber or Lyft's liability insurance may cover damages beyond PIP — including pain and suffering, permanent injury, and excess medical costs — depending on the driver's status at the time of the crash.
- The at-fault driver's insurance (whether that's the rideshare driver or another vehicle) may also be a source of recovery for your pain and suffering if your injuries meet Michigan's threshold for a tort claim.
- The rideshare driver's personal auto insurance may apply in limited situations, though most personal policies exclude commercial activity — which is exactly why rideshare companies offer their own tiered coverage.