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Rideshare companies and insurance coverage

On Behalf of | Jul 7, 2022 | Motor Vehicle Accidents

Rideshare companies provide a valuable service. Customers can request a convenient ride 24/7, while the driver could make a nice side income from the gig. Unfortunately, all the positives associated with rideshare companies won’t add up to guarantees against accidents. If rideshare drivers and passengers become involved in a collision, the aftermath may involve negotiating with an insurance company.

Negotiating with rideshare insurance providers

The top rideshare companies typically provide their drivers with insurance, but the insurance coverage limits may vary depending upon the driver’s specific activity. For example, the maximum liability amount could be much lower when driving around waiting for a ping than when driving a passenger to their destination. Some drivers might purchase commercial auto liability insurance to gain more comprehensive coverage.

Regardless of coverage type, questions about negligence take center stage during any accident investigations. Although a rideshare driver might have a generous insurance policy in place, an accident victim won’t likely have a valid claim against a rideshare driver who was not at fault for the crash.

If all the fault lies with a delivery truck that crashed into the rideshare car, the truck driver’s insurance company may receive claims. Those claims could come from the rideshare passenger and driver.

Filing claims after a rideshare incident

Rideshare companies provide detailed steps to follow when a driver becomes involved in an accident. The companies take crash reports and typically tell drivers to make the reports without delay. Accident victims may also need to move quickly when involved in an auto accident. Waiting to file a claim could delay the resolution. Excessive delays may lead to problems with the state’s statute of limitation requirements.

Insurance companies may become challenging to deal with when attempting to resolve your claim. A legal representative can help.