October 03, 2022

Rideshare services like Uber and Lyft have transformed the transportation landscape, offering convenience at the touch of a button. However, rideshare car accidents bring unique legal and insurance complexities, especially when determining which insurance policy is responsible for covering damages. Here’s a comprehensive guide to help you understand rideshare accident claims in Provo, UT.


Common Rideshare Insurance Issues in Provo, UT

Rideshare companies such as Uber, Lyft, taxis, and private limousine services are prevalent in Provo. Each is required to carry commercial insurance policies with higher liability limits than typical personal auto insurance. However, these policies are not always straightforward, leading to confusion during accident claims.


Types of Rideshare Accident Claims

1. Passenger Rideshare Claims

If you’re a passenger in a rideshare vehicle involved in an accident, you typically have two potential claims:

  • Against the At-Fault Driver: If another vehicle caused the accident, you can file a claim against that driver’s insurance policy.
  • Against the Rideshare Driver: If your rideshare driver is at fault, you may file a claim against the rideshare driver’s insurance or the rideshare company’s commercial policy.

2. Driver Claims

If you’re hit by a rideshare vehicle while driving your car, determining liability depends on whether the rideshare driver was actively engaged in rideshare activities at the time of the accident.


Understanding Insurance Coverage Priority

The coverage triggered in a rideshare accident depends on the driver’s status during the collision:

  1. Actively Engaged in a Ride (Commercial Coverage)
    • If the rideshare driver was transporting a passenger or en route to pick one up, the rideshare company’s commercial policy typically applies. These policies often have higher limits designed to cover substantial damages.
  2. Logged into the App but Without a Passenger
    • When a driver is logged into a rideshare platform but not transporting or picking up a passenger, some commercial coverage may apply. However, this coverage is generally less comprehensive than during active rides.
  3. Off the Clock (Personal Coverage)
    • If the rideshare driver was not logged into the app, their personal auto insurance will apply. Personal policies often have lower liability limits, which may not fully cover serious injuries.


Why Insurance Coverage Matters

The policy that applies can significantly impact your compensation. For instance:

  • Smaller Consumer Policies: These may not cover all your medical expenses and damages, especially in severe accidents.
  • Commercial Policies: These typically offer higher limits, ensuring your injuries and losses are adequately compensated.

Why Hire a Rideshare Accident Lawyer in Provo, UT?

Navigating rideshare accident claims can be overwhelming. An experienced rideshare attorney like Jake Gunter can help by:

  • Identifying the responsible party or parties.
  • Determining which insurance policies apply.
  • Negotiating with insurance companies to maximize your compensation.
  • Filing lawsuits if necessary to ensure a fair outcome.

Contact Provo, UT Rideshare Accident Lawyer Jake Gunter

With 20 plus years of experience, Jake Gunter specializes in car accident and personal injury cases, including rideshare accidents. Whether you’re a passenger, driver, or another party involved in a rideshare accident, Jake can provide the guidance and expertise you need.

Call/Text for a Free Consultation

  • Phone: (801) 373-6345
  • Ask for Jake

Don’t let the complexities of rideshare insurance claims delay your recovery or reduce your compensation. Contact Jake Gunter today to protect your rights and secure the settlement you deserve.