Coverage depends on the app's status: offline, waiting for a ride, en route to a passenger, or carrying one. Each phase triggers different policies and limits.
The Phases of Rideshare Coverage
Why It Gets Complicated
Determining which coverage applies — the driver's personal policy or the company's commercial policy — is often the central dispute.
Passengers and Other Drivers
Injured passengers, other motorists, pedestrians, and cyclists may all have claims arising from a rideshare crash.
Getting the Coverage Right
A free review helps identify which policy applies and pursues full value.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Indiana attorney.