Why Rideshare Crashes Are Complicated
When you're hurt in an Uber or Lyft — as a passenger, another driver, a cyclist, or a pedestrian — the available insurance depends on what the rideshare driver was doing at the moment of the crash. The driver's personal policy, the rideshare company's coverage, and your own insurance may all come into play, and the companies often dispute which applies.
How Rideshare Insurance Phases Work
Rideshare coverage generally works in phases: when the app is off, only the driver's personal policy applies; when the app is on but no ride is accepted, limited contingent coverage applies; and once a ride is accepted or a passenger is aboard, the company's larger 1,000,000-dollar liability policy typically applies. Pinpointing the phase is essential to identifying the right coverage.
Common Rideshare Injury Scenarios
Passengers injured in a rideshare crash, drivers struck by a distracted rideshare operator, and pedestrians or cyclists hit by an Uber or Lyft all have potential claims. Because the driver is usually an independent contractor, the rideshare company may try to limit its responsibility — making experienced advocacy important.
Protecting Your Rideshare Claim
Document the trip (the app records the ride), the driver's information, and the crash scene. Seek medical care and avoid recorded statements to any insurer before getting advice. An attorney can untangle the overlapping policies and pursue the full compensation available under Wisconsin law within the three-year deadline.
Injured in Wisconsin? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
It depends on the trip phase, but once you're a passenger, the rideshare company's 1,000,000-dollar policy typically applies.
Yes. Pedestrians, cyclists, and other drivers struck by a rideshare vehicle may have claims.
Generally three years from the date of the crash under Wisconsin law.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Wisconsin attorney.