How Rideshare Insurance Works
Rideshare companies carry large liability policies, but coverage depends on what the driver was doing at the moment of the crash. When the app is off, only the driver's personal auto insurance applies. When the driver is logged in and waiting for a ride, a limited contingent policy applies. When the driver is on the way to pick up a passenger or has one in the car, a much larger commercial policy — typically up to $1 million — is in effect.
Sorting out which 'period' applied, and which insurer is responsible, is one of the first and most important tasks in a Virginia rideshare claim.
Who Can Recover After a Rideshare Crash
Injured rideshare passengers, occupants of other vehicles, pedestrians and cyclists struck by a rideshare vehicle, and even rideshare drivers themselves may have claims. Because Virginia follows contributory negligence, establishing exactly how the crash happened and who was at fault is essential.
Network attorneys identify every applicable policy — the rideshare company's coverage, the at-fault driver's policy, and any available uninsured/underinsured motorist coverage.
Common Causes of Rideshare Crashes
Distracted driving while using the app, fatigue from long hours, unfamiliarity with an area, speeding to complete more trips, and ordinary negligence by other drivers all contribute to rideshare collisions, which are common near Virginia's airports, entertainment districts, and university areas.
What to Do After a Rideshare Crash
Screenshot the trip details in the app, report the crash to the rideshare company, get the driver's information and insurance, photograph the scene, and seek medical care. Then consult an attorney before giving statements to any insurer.
Remember: Virginia’s contributory negligence rule can bar your recovery if you are found even 1% at fault. Early legal guidance protects your rideshare accident lawyer claim.
Frequently Asked Questions
It depends on what the driver was doing. With a passenger or en route to one, a commercial policy up to $1 million typically applies. An attorney can determine which coverage is in play.
Yes. Injured passengers are usually covered by the rideshare company's commercial policy when the app was active.
You may still recover from the at-fault driver's policy or through uninsured/underinsured motorist coverage.