Rideshare services are popular. Some people use them when planning evenings out with their friends so that they don’t have to choose a designated driver. Other people rely on rideshare services while traveling. That way, they don’t have to rent a vehicle or worry about causing a crash while navigating an unfamiliar city.
Rideshare drivers spend hours on the road every day, and their experience helps them handle challenging traffic situations. However, collisions are still a risk. Rideshare drivers may become too aggressive and could cause a crash. They could also cross paths with someone who is drunk or distracted.
Rideshare passengers are often uncertain about their rights after a crash during a rideshare trip. Who covers the cost of a rideshare collision?
There is likely insurance that applies
Every driver has to carry liability insurance coverage. If the other driver was at fault for the crash, then a basic liability insurance policy may apply. If the rideshare driver was to blame, then there might be one of two types of coverage available.
Sometimes, the crash occurs before the ride even starts. Someone hits a rideshare passenger trying to enter a vehicle or strikes the stopped vehicle while the passenger and driver talk about the trip. Other times, the crash might occur after the ride technically ends while the passenger exits the vehicle.
In such cases, the specialty rideshare insurance coverage carried by the driver in addition to a standard liability insurance policy can cover the collision costs. Most of the time, rideshare crashes occur during the active ride while the app tracks the time and distance.
The major rideshare companies carry large commercial insurance policies that can pay for crash costs. People involved in rideshare collisions may need help handling the claims negotiation process. In situations involving large policies, the negotiation process may become more intense than it might be after a fender bender involving personal insurance.
Talking to an attorney who can evaluate faults and compensation options is key after a rideshare accident. Rideshare passengers must make sense of complex insurance rules. Navigating the claims negotiation process can be aided by a personal injury lawyer. Especially while you are seeking to recover medical expenses, property damage losses and lost income.