Rideshare accidents
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You were a passenger, or you were hit by a car with a rideshare sticker. What happens next depends on a detail you can’t see: whether the driver’s app was off, waiting for a ride, or carrying one. Each state has different insurance, from the driver’s own policy up to a $1 million commercial policy.
Insurers on all sides use that complexity to point at each other. We get the trip records from the rideshare company, identify which policy is on the hook, and make one claim that covers everything.
What to do now
- 1
Screenshot the trip.
The ride receipt, the driver’s name, the route and the time. This is proof the app was active.
- 2
Report it in the app and to police.
Both create a record with a timestamp. Don’t accept any settlement offer the company makes in the app.
- 3
See a doctor and keep every record.
As with any crash, a same-day medical visit connects the injury to the collision.
What your claim can include
- Medical care, now and ongoing
- Lost wages
- Pain, suffering and loss of enjoyment of life
- Coverage under the rideshare company’s $1 million policy when a trip was active
- Uninsured or underinsured motorist coverage under the same policy
How long you have
Two years from the crash for injuries. Rideshare companies keep trip data, but drivers switch cars and phones; we request records at the outset.
Good to know
- The three app states.
- App off: the driver’s personal policy. App on, waiting for a ride: the company provides limited coverage, $50,000 per person. Ride accepted or passenger on board: the company’s $1 million policy applies.
- Passengers are almost never at fault.
- As a passenger you didn’t cause the crash. Whether your driver or another driver was negligent, you have a claim, and often against both.
“Two insurance companies each said the other one was responsible. I had a spinal injury and couldn’t work. Guardian Justice got the trip log from Uber in a week and settled with the million-dollar policy.”
Every case is different. Prior results do not guarantee or predict a similar outcome in your case.