Rideshare services, like Uber and Lyft, have become an essential part of daily life in Las Vegas. However, when accidents happen, insurance coverage can become a tangled web. Understanding who is responsible for what can be tricky, especially when dealing with competing claims from personal and commercial policies.
Rideshare insurance coverage
Rideshare insurance coverage varies based on the driver’s status at the time of the accident. Here are the three main categories:
- App off: When the driver is not using the rideshare app, their personal auto insurance policy is in effect. If an accident occurs during this time, the driver’s personal insurance should cover the damages.
- App on, no passenger: When the driver has the app on but has not yet accepted a ride request, the rideshare company can provide limited liability coverage.
- En route or with a passenger: Once the driver has accepted a ride request and is either on the way to pick up the passenger or has a passenger in the car, the rideshare company’s commercial insurance policy is in effect.
When an accident occurs, determining which insurance policy applies can lead to competing claims. For example, if a rideshare driver is involved in an accident while on the way to pick up a passenger, both the driver’s personal insurance and the rideshare company’s commercial insurance may be involved.
Resolving the claims
Resolving these claims requires a clear understanding of the different policies and their coverage limits. Insurance companies often try to reduce their payouts, which can lead to disputes. In such cases, it is crucial to provide thorough documentation, including accident reports, witness statements and medical records.
Seeking legal assistance
Rideshare accidents can lead to complicated insurance claims involving both personal and commercial policies. If you find yourself in such a situation, do not hesitate to seek legal assistance to protect your rights and interests. An experienced insurance law attorney can guide you through the process and ensure that you receive the compensation that you deserve.
Stay informed, stay safe and know that help is available to guide you through the complexities of rideshare accident claims.