Can I Sue Uber or Lyft After a Rideshare Accident?
Rideshare accident liability depends on the driver's app status at the time of the crash. Here's how that generally works.
It depends on the driver's app status
Rideshare companies carry different insurance coverage depending on whether the driver's app was off, on and waiting for a ride request, or actively transporting a passenger.
App off
If the app was off, the driver's personal auto policy typically applies — the rideshare company's coverage generally doesn't kick in.
App on, waiting for a match
A limited layer of contingent coverage from the rideshare company may apply if the driver's personal policy doesn't cover the full claim.
Actively on a trip
Once a ride is accepted, rideshare companies typically provide much higher coverage limits for the driver, passengers, and others involved.
Who can be a claimant
Passengers, other drivers, and pedestrians hit by a rideshare vehicle can all potentially have a claim, depending on the facts.