Abramson Smith Waldsmith LLP
Treating California’s Injured With Dignity And Respect

Figuring out the complex liability of rideshare accidents

On Behalf of | Oct 28, 2024 | Car Accidents

Uber and Lyft have changed how we get around but have also made car accidents more complicated. In California, where many people use these services, it is important to know who’s responsible when accidents happen. There are rules to help figure this out, and understanding these rules is key for anyone who uses or drives for rideshare companies.

What insurance coverage applies in a rideshare accident?

California law mandates specific insurance requirements for rideshare companies and drivers. Rideshare companies must provide:

  • One million in liability coverage when the driver is engaged in a ride
  • Fifty to one hundred thousand in bodily injury and thirty thousand dollars in property damage coverage when the app is on, but no ride is in progress

Remember, the amount of coverage changes depending on what the driver is doing. This is different from regular car insurance, which usually stays the same all the time.

Who is responsible for rideshare accidents?

In California, who pays for a rideshare accident depends on what the driver was doing:

  • If the app is off, the driver’s insurance pays.
  • If the app was on but no ride was accepted, the rideshare company’s extra insurance helps.
  • If the driver was picking up or driving a passenger, the company’s extensive insurance policy covers it.

More than one person can be at fault in an accident, making it harder to figure out who should pay, especially when many cars are involved. It is essential to know these rules if you use or drive for rideshare companies. They help decide who pays for damages after an accident. Remember, the situation changes based on whether the driver is actively working.

How do I negotiate rideshare liability?

Rideshare accidents are complex, involving multiple insurance policies, tricky liability determinations, and potentially large corporations. You can confidently tackle these with someone experienced in California’s motor laws. Trustworthy legal aid can support you in handling conversations with insurance companies and ensure your protection while you focus on recovery.