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How can a ride-sharing driver’s status affect insurance claims?

On Behalf of | Apr 18, 2023 | Rideshare Accidents

Ride-sharing services like Uber and Lyft have revolutionized the way people travel, providing a convenient and affordable alternative to traditional taxis. However, with this convenience comes the potential for legal complications in the event of an accident.

One of the key factors that can make or break a ride-sharing case is the driver’s status at the time of the incident. Understanding the nuances of driver status is crucial for anyone who uses these services.

How can the driver’s status affect a claim?

If a driver logs into the ride-sharing app but is not currently accepting or transporting a passenger, they are “on duty” but not “engaged.” This usually means the ride-sharing company’s insurance policy does not cover them, but they may get coverage from their personal auto insurance policy.

If a driver is actively accepting or transporting a passenger, they are “engaged” and the ride-sharing company’s insurance policy covers them. The California Public Utilities Commission states that for each incident, ride-sharing companies must provide at least $200,000. However, the coverage limits may vary depending on the specific circumstances of the incident.

How can passengers get compensation?

Both Uber and Lyft have departments that injured passengers can reach out to for compensation after an accident. It helps to have the driver’s license numbers for every vehicle that was in the crash. Each driver’s contact and insurance information is also important. On top of this, photos and videos of the scene can help with the case.

Whether it was the ride-sharing driver’s fault or someone else’s, an accident can happen at any time. Passengers must know how to get the compensation they deserve when things go awry.