When an Uber or Lyft crash injures you in Tennessee, figuring out which insurance applies can be more complicated than the crash itself.
Coverage Depends on the App
Rideshare insurance turns on what the driver was doing. If the app was off, only the driver's personal policy applies. If they were waiting for a ride request, limited contingent coverage applies. Once a ride is accepted or a passenger is aboard, the rideshare company's larger commercial policy generally applies.
Who Can Be Injured
Passengers, other drivers, pedestrians, and the rideshare driver themselves can all be hurt in these crashes. The applicable coverage and the path to recovery can differ depending on your role.
Disputes Over Status
Because coverage hinges on the driver's app status at the moment of the crash, that status is sometimes disputed. App records and trip data become important evidence.
Getting the Right Help
The layered policies and corporate insurers make rideshare claims more complex than a typical car accident. Identifying the correct coverage and pursuing it fully often benefits from experienced guidance.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Tennessee attorney.