Rideshare Accidents
Rideshare accidents involving services like Uber and Lyft involve unique insurance and liability considerations depending on the driver's status at the time of the accident.
Overview
Rideshare accident claims involve navigating multiple insurance coverages that apply at different stages of the ride. When the app is off, the driver's personal insurance applies. When the app is on but before a match, limited coverage applies. During an active ride, the rideshare company's commercial policy typically provides coverage up to $1 million.
Frequently Asked Questions
Whose insurance covers a rideshare accident?
Coverage depends on the driver's app status. Active rides are typically covered by the rideshare company's commercial insurance policy.
Can I sue the rideshare company directly?
This depends on the circumstances. Rideshare companies classify drivers as independent contractors, but the company's insurance may still cover your damages.
What if I was a passenger in the rideshare?
As a passenger, you're typically covered by the rideshare company's commercial insurance policy, which provides up to $1 million in liability coverage.