Passengers
A rideshare crash is really an insurance question. The answer depends on one fact: what the driver's app was doing at the moment of impact. We find that fact before it disappears.
You may have been a passenger in the back seat. Or you were driving, walking or cycling, and a rideshare car hit you. Each of those points to a different insurance policy.
Rideshare drivers are usually treated as contractors, not employees. So most claims go to the insurance tied to the trip, not to the company itself.
Proving the app status takes records the rideshare company holds. Those records are not kept forever. We send a request to preserve them in the first days.
“The driver was off the app.”
Trip logs, phone data and your receipt show exactly when a ride was accepted. We request them in writing so they are kept.
“Try the driver's personal insurer.”
Personal policies often exclude driving for pay. We make sure the right policy is on the hook from the start.
“Passengers are covered, so just send your bills.”
Coverage is not the same as a fair payment. Your claim still needs medical proof and a clear picture of what you lost.
Rideshare insurance comes in layers. The layer depends on the driver's app status when the crash happened.
| Driver's app status | Coverage that usually applies | What we check |
|---|---|---|
| App off | The driver's own auto policy | Whether the driver was really off, and the limits on their policy |
| App on, waiting for a ride request | Limited coverage from the rideshare company's policy | Login times, and whether the driver's own policy refuses the claim |
| Ride accepted, or passenger on board | The company's policy, with much higher limits | Trip records, the route and the exact time of the crash |
General information about how these policies are usually set up. The exact coverage depends on the policy and the facts.
Sometimes, but usually the claim goes against the driver and the insurance tied to the trip. We look at the facts to see if the company itself did something wrong.
Yes, if another driver hit you. Your claim may also involve the company's policy and your own coverage. Tell us what your app showed at the time.
More answers on the questions page.
A rideshare passenger was hurt when her driver rear-ended a truck. The driver's personal insurer denied the claim.
What happened: Trip records showed a ride was active at the time of the crash. The claim was paid under the trip's commercial policy.
What we took from it App status decides which policy pays. Ask for the trip records in writing, early.
These are invented examples for a sample website. They show the kinds of results a road injury firm might describe. Every case is different, and past results do not guarantee or predict a similar outcome in any other case. See all example outcomes.
Talk it through with Samir
Samir Haddad leads our rideshare work. Start the free case evaluation with this crash type already picked, or call the intake line any hour.
Tell us what happened in five short steps, or call the intake line. A free case evaluation costs nothing, and you do not have to hire us afterwards.
No fee unless we recover money for you. Answered 24 hours a day, every day.
