Rideshare services make on-demand transportation accessible. People can use their phones to summon a rideshare driver to their current location. They can avoid driving in unfamiliar cities, when they are sick or after consuming alcohol.
People generally trust their rideshare drivers to be safe and competent, but crashes can occur. When a rideshare collision occurs, passengers may suffer injuries and property damage losses. They may then need assistance determining what insurance policy can cover their losses. Let’s look at the possibilities.
The other driver’s coverage
The rideshare driver may not be at fault for the crash. In that situation, the other motorist may need to provide liability coverage that addresses the losses of both the rideshare driver and any passengers in their vehicle.
The rideshare driver’s policy
Rideshare collisions frequently occur when the rideshare vehicle is parked for the passenger to enter or exit the vehicle. In such cases, the driver’s rideshare policy may apply because the crash did not occur during an active trip. General liability coverage may not apply in cases where people use their personal vehicles for commercial purposes.
The company’s policy
If a crash occurs during the active ride, the passenger may have grounds to file a claim against the rideshare company’s commercial policy. Both Uber and Lyft have commercial insurance policies to address the liability that comes from collisions.
Passengers who have been hurt in rideshare collisions may need help quantifying their losses and negotiating an insurance claim. Working with an attorney experienced in this field can be beneficial for those hurt int a rideshare vehicle crash.