Philadelphia
Rideshare Accident
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Confusing Rules Can Make These Cases Challenging

Navigating insurance issues in rideshare accidents can be difficult, given the unique circumstances involving both personal and commercial coverage. Here are some examples of potential insurance complexities in rideshare accident claims.

Different Insurance Companies Might be Liable

• Driver’s Personal Insurance: The driver’s personal auto insurance is the first layer. However, personal policies often exclude coverage when a vehicle is used for commercial purposes, potentially leading to coverage gaps.
• Rideshare Company Insurance: Rideshare companies like Uber and Lyft provide contingent liability coverage when the driver’s personal insurance falls short. This coverage typically includes higher liability limits when the driver is actively engaged in rideshare activities.
• Uninsured/Underinsured Motorist Coverage: In some cases, if the at-fault party is underinsured or uninsured, the injured party may need to rely on their own uninsured/underinsured motorist coverage.

The Driver’s Status Matters

• App Off: When someone is driving their rideshare vehicle but does not have the app on to accept rides, their personal auto insurance applies to resulting accidents. 
• App On, No Passenger: When a rideshare driver has their app on but hasn’t accepted a ride request, they typically rely on their personal auto insurance. Rideshare companies provide limited supplemental coverage during this period.
• En Route to Pick Up or Transporting Passengers: Once a driver accepts a ride or is actively transporting passengers, the rideshare company’s insurance coverage becomes primary. This coverage includes liability for third-party injuries and property damage.

Complex Liability Determinations

Determining liability in rideshare accidents can be challenging. It may involve assessing the driver’s actions, the actions of other involved parties, and potential issues with the rideshare app or vehicle.

Given the layers of insurance and potential disputes, seeking legal representation is crucial. An experienced rideshare accident attorney can navigate the complexities, identify responsible parties, and ensure they leverage all available insurance coverage for your benefit.

Navigating these insurance intricacies requires a thorough understanding of rideshare policies, state laws, and the specific circumstances of the accident. Legal assistance from a knowledgeable rideshare accident attorney can help victims secure the compensation they deserve.