Whether you were a passenger, another driver, or a pedestrian, a rideshare crash involves layers of insurance that depend on what the app was doing.
Coverage Depends on the App Status
When the driver is offline, only personal insurance applies. When waiting for a ride, limited rideshare coverage kicks in. When en route to or carrying a passenger, a larger commercial policy generally applies.
Passengers Are Usually Well-Protected
Injured rideshare passengers typically have access to substantial coverage, since they were not at fault for the crash.
Sorting Out the Claim
Determining the app status at the moment of the crash is the key fact. Preserving trip records early helps establish which coverage applies.
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This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Maine attorney.