Rideshare services like Uber and Lyft have become a fixture in Phoenix. But when a rideshare vehicle is involved in an accident, the question of who pays gets complicated fast. Multiple insurance policies, coverage phases, and corporate legal teams all enter the picture.
Three Phases of Coverage
App off: Driver’s personal insurance only. App on, waiting for a ride: Limited Uber/Lyft coverage ($50K/$25K). Ride accepted or passenger aboard: Full $1 million commercial policy.
Which phase the driver was in at the moment of the crash determines which insurance applies — and how much money is available.
Whether You’re the Passenger or Another Driver
If you were a rideshare passenger, you’re in the strongest position — the company’s $1 million policy covers you. If you were hit by a rideshare vehicle, your claim depends on the phase. If you’re the rideshare driver, your personal insurance may deny the claim because you were driving commercially.
Why You Need an Attorney
Rideshare companies have legal teams whose job is to shift liability away from the company. Insurance companies for all parties point fingers at each other. You need an attorney who can cut through the complexity and pursue every available policy.
Read more: Rideshare Accidents — Uber, Lyft, and Your Rights