Rideshare services make getting around easier, but accidents still happen. If you get hurt while riding in a rideshare vehicle, you need to know who pays for your injuries and how insurance coverage works. Understanding your options helps you protect your rights after a crash.
Determining who is responsible
Liability depends on who caused the crash. If another driver hits your rideshare vehicle, that driver’s insurance covers your damages. If your driver causes the accident, the rideshare company’s insurance applies. In Utah, rideshare drivers work as independent contractors, so the company’s coverage applies only when the driver logs into the app or carries a passenger.
Understanding rideshare insurance coverage
Rideshare companies carry insurance that changes depending on the driver’s status. When the driver turns the app off, their personal insurance covers any accident. When the driver waits for a ride request, limited liability coverage from the rideshare company kicks in. Once a ride starts, the company provides up to $1 million in liability coverage, which pays for medical bills, lost wages, and other damages if you get injured.
Taking steps after the accident
After an accident, make sure everyone stays safe and call the police. Get medical attention even if you feel fine, as some injuries show up later. Gather information about the driver, their app status, and their insurance details. Keep records of all expenses and communications about the crash. Reporting the accident through the rideshare app also creates a record that supports your personal injury claim.
Getting fair compensation
Rideshare insurance claims can get complicated. Multiple insurers may get involved, and each may try to shift responsibility. Knowing who caused the crash and which policy applies helps you recover what you deserve.