If you get hurt in a rideshare crash in California, you’ll likely wonder who will cover your medical bills. The answer depends on several factors, including who caused the accident and what insurance policies apply. Understanding your options can help you avoid financial stress while recovering.
Common insurance coverage for rideshare accidents
Rideshare companies provide insurance for their drivers, but coverage depends on when the accident happens. If the driver has not logged into the app, their personal auto insurance applies. If they are waiting for a ride request, the service offers limited liability coverage. When the driver has accepted a ride or has a passenger, companies must provide at least $1 million in coverage.
If another driver caused the crash, their auto insurance should pay for your medical bills. However, California requires drivers to carry only a minimum amount of liability insurance, which may not cover all expenses. In this case, you may need to rely on the rideshare company’s uninsured/underinsured motorist coverage.
What you can do about medical bills while waiting for a settlement
After an accident, medical bills can pile up quickly. While waiting for an insurance company to process the claim, you might need to find other ways to pay. If you have health insurance, it can cover your medical treatment. However, you may still have to pay deductibles or copays.
MedPay, or medical payments coverage, is an optional add-on to auto insurance policies in California. If you have MedPay, it can help with your medical bills, regardless of who caused the accident. Some doctors and hospitals may also offer treatment on a lien basis, meaning they agree to wait for payment until you receive an insurance settlement.
If you get injured in a rideshare accident, several insurance policies may cover your medical expenses. Thoroughly investigating your options can ensure you’re able to focus on healing without financial worries.