When the app is off, the driver's personal policy applies. Once a driver is available or carrying a passenger, the rideshare company's larger commercial coverage kicks in — up to $1 million during a trip.
Coverage Depends on App Status
Who Can Claim
Passengers, other drivers, pedestrians, and cyclists can all pursue the applicable coverage. The challenge is proving which coverage tier applies at the moment of the crash.
Why Legal Help Matters
Rideshare insurers dispute app-status and coverage tiers to limit payouts. Evidence from the app and the driver is essential to your claim.
This article is general information, not legal advice. Injury Claim Team is a free attorney-matching service, not a law firm. For advice about your specific situation, talk to a licensed Wisconsin attorney — we'll connect you at no cost.