Rideshare Accident Claims: Passenger, Driver, or Third Party?
Rideshare accidents involve a layered insurance picture that changes depending on whether the app was on, whether a ride was in progress, and your role in the crash.
Coverage depends on the app's status
Rideshare companies generally carry different levels of insurance depending on whether the driver's app was off, on but waiting for a ride request, or actively transporting a passenger. This "period" distinction can significantly affect which policy responds to your claim.
If you were a passenger
As a rideshare passenger, you're typically covered under the rideshare company's liability policy for injuries caused by the driver's negligence, though the details vary by company and state.
If you were another driver or pedestrian
If a rideshare vehicle hits you while carrying a passenger or en route to one, the rideshare company's commercial policy generally applies. If the driver's app was off, only their personal auto policy may apply — which can complicate a claim.
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This article is general legal information, not legal advice. We are not a law firm. Using this site does not create an attorney-client relationship. Laws vary by state and change over time — confirm details with a licensed attorney in your state.