Rideshare apps are convenient and can help prevent certain types of collisions. People who are unfamiliar with the local roads, sick or under the influence of alcohol can hire a ride on demand using a simple app.
Most people who use rideshare services have uneventful trips. However, a small percentage of rideshare trips result in collisions. The passengers in rideshare vehicles who get hurt during a crash may be able to file an insurance claim. There are three different policies that could theoretically apply after a rideshare collision. Determining what coverage applies is critical.
1. The commercial app-owned policy
During the actual paid trip, while the driver has the app engaged, the rideshare company provides insurance protection. The two largest rideshare companies carry seven-figure liability policies that can compensate passengers for injuries and property damage losses.
2. Rideshare coverage
Rideshare crashes sometimes occur before the driver starts the trip or while the passenger prepares to exit the vehicle. If the crash occurs before or after the actual paid trip, then the rideshare driver may provide insurance coverage. Standard liability insurance usually does not apply when people use their vehicles for commercial purposes. Rideshare drivers generally carry special policies for these scenarios.
3. The other driver’s coverage
There is a decent chance that the rideshare driver isn’t the one at fault for the collision. In such cases, the other driver may be liable. Their policy can help reimburse the rideshare passenger and the rideshare driver for their losses.
Those trying to address the fallout of a rideshare collision may need help. Reviewing a crash report and available insurance policies with a skilled legal team could help people pursue compensation after a rideshare trip leads to a wreck.