How Rideshare Insurance Works
Uber and Lyft provide large liability coverage, but only during certain phases of a trip. Coverage is limited when the app is off, increases when the driver is available and waiting for a ride, and reaches its highest level when a passenger is in the car or being picked up. Determining which phase applied to your crash is essential to identifying the available coverage.
Who Can Recover
Passengers, other drivers and their occupants, pedestrians, cyclists, and even rideshare drivers themselves may have claims after a rideshare crash. Each situation involves different policies and parties, which is why these cases benefit from experienced legal guidance.
Common Rideshare Crash Causes
Distracted driving while using the app, fatigue from long hours, unfamiliarity with an area, and ordinary negligence cause many rideshare collisions. As with any crash, proving fault is the foundation of the claim.
Protecting Your Claim
Document the crash, note the rideshare trip details, get medical care, and avoid quick statements to insurers. Tennessee's comparative fault rule and one-year deadline apply, so prompt legal help protects your recovery.
Injured in Tennessee? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
It depends on the trip phase. Coverage is highest when a passenger is in the car and lower when the driver is merely available. Identifying the phase determines the available policy.
Yes. Passengers injured in a rideshare crash typically have access to the rideshare company's liability coverage and possibly other policies.
Other drivers, pedestrians, and cyclists struck by a rideshare vehicle may also have claims. An attorney can identify which policies apply.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Tennessee attorney. Injury Claim Team is a legal referral service, not a law firm.