Rideshare trips can be convenient and cost-effective. They protect people who rarely need on-demand transportation from the expense of buying a vehicle and maintaining insurance coverage.
They can also limit the risk of illness, lack of familiarity with local roads or intoxication leading to a preventable crash. Unfortunately, some rideshare trips end in collisions instead of passengers safely reaching their intended destinations. When rideshare passengers get hurt in collisions, they may need help identifying the right insurance policy and negotiating a claim.
What insurance might apply?
In some cases, the rideshare driver is not the party at fault for the crash. The other motorist who caused the collision might be the liable party. In that situation, the injured Rideshare passenger may need to file a claim against the other driver’s insurance policy.
If the rideshare driver was at fault, then the timing of the crash determines what policy applies. If a crash occurs before the trip started or while a passenger exited the vehicle after the trip ended, then the driver’s rideshare policy may cover the passengers injuries and property damage losses.
If the crash occurred during the trip, then the commercial rideshare policy carried by the app that facilitated the ride may apply. Those commercial policies are relatively large and can help fully cover collision costs.
Even when there is potentially enough insurance to cover property damage, injury expenses and lost wages, securing an appropriate settlement is not always an easy process. Working with an attorney can help people injured in rideshare collisions pursue the compensation they need to cover their losses.
