It is important to know your rights as a rideshare driver and/or passenger when injured as a result of a motor vehicle accident.
There are 3 phases of ridesharing.
Phase 1—The app is on, but a ride connection is pending. The Uber/Lyft insurance coverage is liability only (excess over any possible personal auto insurance) during this phase with typically low limits.
Phase 2—A trip is now accepted, with the driver in route to pick up the passenger. The ridesharing insurance coverage (still excess) is deeper and broader during this phase, but gaps may still exist.
Phase 3—The passenger is picked up, and the trip is on! The ridesharing company’s insurance is similar to phase 2 coverage (but now primary). The personal auto policy (PAP) provides absolutely no coverage during this phase.
Hiring an attorney can help determine the proper steps to take in your case. For more information, contact us at Natanzi Law Group, Inc.