Liability usually begins with the driver who caused the crash. Depending on the circumstances, that could include:
- The rideshare driver
- Another driver involved in the crash
- A third party if a vehicle defect or road hazard contributed to the accident
For injured rideshare passengers, claims typically begin with the insurance policy covering the rideshare vehicle. If another driver caused the crash, that driver’s insurance may ultimately be responsible for the passenger’s damages. If the available coverage is insufficient, additional insurance policies, including the passenger’s own uninsured or underinsured motorist (UM/UIM) coverage, may also apply.
Because rideshare accidents can involve multiple insurance policies and questions about which coverage applies, determining liability is often more complicated than in a typical car accident.
Insurance coverage can depend on whether the driver was off the app, waiting for a ride request, enroute to a pick up, or actively transporting a passenger. These different stages can determine whether the driver’s personal insurance or the rideshare company’s coverage applies.
VA law requires rideshare companies like Uber and Lyft to provide significant insurance coverage, including up to $1 million in liability coverage during an active trip.
Because multiple insurers may be involved, determining which policy applies after a crash can be complicated for passengers and other drivers.