Whose insurance applies?
Coverage often depends on what the rideshare driver was doing at the time of the crash:
- App off: usually the driver's personal auto policy.
- App on, waiting for a ride: the rideshare company's limited coverage may apply.
- Driving to a pickup or carrying a passenger: the rideshare company's larger commercial policy may apply.
Insurers often point at each other. Knowing which policy applies is the first step.
What to do after a rideshare crash
- Get medical care and call the police.
- Screenshot the trip details in your app.
- Report the crash in the Uber or Lyft app.
- Photograph the vehicles and get the driver's insurance information.
- Get a free case review before signing anything.
Frequently asked questions
I was a passenger. Who pays for my injuries?
Passengers are often covered by the rideshare company's commercial policy while a trip is in progress, but the details of each crash matter.
I drive for Uber or Lyft and was hurt. Can I file a claim?
Often yes, especially if another driver caused the crash. Your options depend on your app status and the other driver's insurance.
Does it cost anything to find out?
No. The case review is free.
Get answers today.
Free, confidential case review. No fee unless you win.
Start my free review
