Rideshare crashes raise a confusing question: whose insurance pays? Whether you were a passenger, another driver, or a pedestrian, the answer depends on what the rideshare driver was doing at the moment of the crash.
Coverage Phases
- App off: the driver's personal auto insurance applies.
- App on, waiting for a ride: limited coverage from the rideshare company applies.
- En route to pick up or carrying a passenger: a larger commercial policy generally applies.
- Passengers are typically covered during an active trip.
Why It Gets Complicated
Multiple insurers may point fingers at each other to avoid paying. The rideshare company's coverage, the driver's personal policy, and the other driver's insurance can all be in play, making these claims more complex than a standard crash.
Save your trip receipt and screenshots from the app — they help establish which coverage phase applied.
Sorting Out Your Claim
An attorney can identify every applicable policy and pursue the right insurer. A free consultation can clarify your options after a rideshare crash.
Injured in Idaho? Get a Free Case Review.
Connect with an experienced Idaho personal injury attorney. No fees unless you win. Call 973-566-5599 or use the form.