Rideshare crashes involve layers of insurance that depend on whether the driver was logged in, waiting for a request or carrying a passenger. Coverage and rules change, so confirm current terms.
Why the stage matters
- App off: the driver's personal policy applies.
- App on and waiting for a ride request: limited company liability coverage often applies.
- Trip accepted or passenger on board: companies typically provide higher liability coverage, often described as up to $1 million, along with uninsured motorist coverage in some cases.
- State laws set minimums for rideshare companies.
Who can claim
- Passengers injured in the vehicle.
- Other drivers and pedestrians hit by the rideshare vehicle.
- Rideshare drivers injured by another driver.
Steps after a crash
- Call 911 and get medical care.
- Document the app status, such as screenshots of the trip.
- Get driver, vehicle and insurance details.
- Report through the app and to your own insurer.
- Be cautious in statements to adjusters and consider a lawyer.
Common disputes
Companies may argue about whether the driver was on a trip or whether the driver or another party is at fault. Keep evidence and do not delay medical care.
Frequently asked questions
Can I sue the rideshare company?
It depends on the facts and terms, including arbitration clauses for passengers.
What if the other driver was at fault?
Their insurance is primary, with rideshare coverage as an additional source.