What insurance applies in a rideshare accident?
Emery Brett Ledger's Answer
Full Transcript
Below is an AI-generated transcript of the video answer.
Hi, I'm attorney Emery Ledger. I've practiced law for over 28 years and I'm licensed in California, Washington, and Texas.
One of the biggest mistakes people make after an Uber or Lyft crash is assuming there is just one insurance policy.
That is usually not how rideshare accidents work.
The first question is what the driver was doing in the app at the exact moment of the collision.
If the app was off, the driver's personal auto insurance usually applies.
If the driver was logged in and waiting for a ride, Uber and Lyft say there is typically a lower layer of third-party liability coverage,
often around 50, 100, 25 in many markets.
But once a ride is accepted or a passenger is in the vehicle, Uber and Lyft state they generally maintain much larger third-party liability coverage,
often at least $1 million, with other first-party coverages potentially available depending on the state and the market.
So the real issue is not just who caused the crash. It is what coverage was triggered when it happened.
That is why app status, trip records, screenshots, and timing matter so much in a rideshare case.
If you have questions after a rideshare accident, contact the Ledger Law Firm at 800-300-0001 or visit ledgerlaw.com.