Rideshare services have revolutionized the way we commute, offering convenience and affordability.
However, accidents involving rideshare vehicles can raise questions about who is responsible for damages. This blog discusses the complexities surrounding responsibility in rideshare accidents and the factors that come into play when determining liability.
Rideshare company’s role in liability
Rideshare companies have specific policies in place to address accidents involving their drivers. These policies usually include insurance coverage for their drivers, which can come into play depending on the driver’s status at the time of the accident. Here’s a general breakdown of how rideshare insurance coverage works:
- Offline or app off: If the rideshare driver is not logged into the app at the time of the accident, the rideshare company’s insurance does not apply. The driver’s personal auto insurance would be the primary coverage in this case.
- App on, no passenger: If the driver has logged into the app but has not accepted a ride request, the rideshare company typically provides limited liability coverage for accidents caused by their driver.
- Ride accepted or passenger in the vehicle: When the driver has accepted a ride or has a passenger in the vehicle, the rideshare company usually offers more comprehensive insurance coverage, including liability, collision and comprehensive coverage.
It is essential to note that the specific insurance coverage and limits can vary between rideshare companies and individual policies.
Other factors influencing responsibility
Determining responsibility in a rideshare accident is not always straightforward. Multiple factors can influence who is potentially liable. For example, if the police decide the rideshare driver is negligent, the insurance company may hold them responsible for the accident. Examples of negligence include speeding, distracted driving or driving under the influence.
In some cases, another driver or party may be at fault for the accident. This could include another motorist who failed to yield, a pedestrian who crossed the street illegally or even a vehicle manufacturer in case of a defect that contributed to the accident.