If a rideshare driver was logged into the app, company insurance may apply. Coverage depends on whether they were waiting for a ride or actively transporting a passenger.
App Status Changes Everything
Rideshare accident claims depend heavily on one question:
Was the driver logged into the app?
If yes, Uber or Lyft coverage may apply.
The Three Insurance Periods
1. Driver Logged Out
Only personal insurance applies.
2. Driver Logged In, Waiting for Ride
Limited company coverage may apply.
3. Driver Transporting Passenger or En Route
Up to $1 million in liability coverage may apply.
Identifying the correct period quickly is critical.
Why Insurance Companies Dispute App Status
Insurers may argue:
- The driver was off-duty
- The ride had ended
- Coverage was limited
Digital records usually tell the truth.
What Injured Victims Should Do
- Call 911
- Screenshot ride details
- Seek medical care
- Avoid recorded statements
- Contact KP Law Group immediately
Evidence disappears fast in rideshare cases.
FAQ
Q: Can I sue Uber or Lyft directly?
A: Most claims are handled through insurance policies.
Q: What if another driver caused the crash?
A: We pursue all responsible parties.
Call to Action
When app-based insurance is involved, experience matters.
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