Rideshare accidents raise a tricky question: whose insurance pays? The answer depends on what the driver was doing at the moment of the crash.
The Three Coverage Periods
Coverage depends on the app status: offline (the driver's personal policy applies), app on but no ride accepted (limited rideshare coverage), and en route or carrying a passenger (the company's larger policy generally applies).
Why This Gets Complicated
Multiple insurers may point fingers at each other to avoid paying. Determining the driver's app status at the moment of the crash is often the key disputed fact.
Protecting Your Claim
Whether you were a passenger, another driver, or a pedestrian, an attorney can identify the applicable coverage and pursue the right policy on your behalf.
Hurt in a Rideshare Crash?
Call 973-566-5599 for a free review.
Injured in Rhode Island? Injury Claim Team connects you with experienced local attorneys at no cost. Call 973-566-5599 or request a free review — a specialist will reach out within the hour.