Whether you are a driver or a passenger in a rideshare like Uber or Lyft, you may occasionally be involved in an accident and there will be questions about who’s insurance applies. The driver of the car will have liability insurance of their own while the rideshare company provides insurance coverage during the ride as well. If an accident occurs, the insurance carrier that you will file a claim with depends on when the accident occurred.
There are 4 stages of a rideshare: 1 The driver is not driving for the rideshare, 2. The Driver is driving for the rideshare but is waiting for a request, 3. The Driver is driving for the rideshare and on their way to pick up a request, 4. The Driver is driving for the rideshare and transporting a passenger.
The only time that the Rideshare’s insurance applies is when the Driver is driving for the rideshare company and they are transporting a passenger. If you are a driver, passenger or third party victim, and an accident occurs during a ride in a Rideshare, you can file a claim with the Rideshare company. At all other times- if the driver is not driving for the rideshare company, if they are driving around waiting for a request to pick up, or even if they are on their way to pick up a passenger and are involved in an accident, their own personal insurance carrier and not the Rideshare’s insurance carrier will be responsible for the claim you will file.
If you are involved in an accident with a person driving for a rideshare company, contact an attorney to determine the appropriate party for filing your insurance claim. For more information or to schedule an appointment call us at (310) 438-5857