In This Article
Why Rideshare Claims Are Different
When you are injured in an Uber or Lyft crash — as a passenger, another driver, or a pedestrian — the available insurance depends on the driver's status in the app at the moment of the crash. Rideshare companies carry large policies, but coverage turns on whether the driver was offline, waiting for a ride, or actively transporting a passenger.
The Three Coverage Periods
When the app is off, only the driver's personal insurance applies. When the driver is logged in and waiting for a request, the rideshare company typically provides limited contingent coverage. When the driver is en route to or carrying a passenger, the company's larger commercial policy — often up to $1 million — generally applies. Determining which period applied is central to the claim.
Common Complications
Personal auto insurers often deny claims when the driver was working for a rideshare service, and the company may dispute the driver's status. Sorting out the layers requires obtaining app data and trip records. Passengers injured in a rideshare crash are almost never at fault, which simplifies liability but not necessarily the insurance fight.
Getting Fair Compensation
Because rideshare claims involve multiple insurers and corporate defendants, experienced representation helps cut through the finger-pointing. New Hampshire's three-year deadline and comparative negligence rule still apply. A free review can clarify which coverage applies to your situation.
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This article is general information, not legal advice. For guidance on your specific situation, get a free, confidential case review. You pay nothing unless you win.
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