Rideshare services are everywhere in Washington's cities, and crashes involving Uber and Lyft raise insurance questions that ordinary car accidents do not. Which policy applies depends on what the driver was doing at the moment of the crash.
How Rideshare Coverage Tiers Work
Coverage depends on the driver's status. When the app is off, the driver's personal policy applies. When the app is on but no ride is accepted, limited contingent coverage applies. When a ride is accepted or in progress, the rideshare company's larger commercial policy generally applies.
Washington requires transportation network companies to carry significant liability coverage during active rides.
Who Can Be Injured
Passengers, other drivers, pedestrians, and cyclists can all be hurt in a rideshare crash. Each may have access to different coverage depending on the circumstances.
Determining the driver's app status at the time of the crash is often the key dispute.
Sorting Out the Claim
Multiple insurers and shifting coverage tiers make these claims confusing. An attorney can identify the applicable policies and pursue the right parties.
If you were hurt in a rideshare crash in Washington, a free case review can clarify who pays.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Washington attorney.