Rideshare Accidents in Indiana
Uber and Lyft are everywhere in Indianapolis, Fort Wayne, Bloomington, and Indiana's other cities and college towns. When a rideshare crash happens, the available insurance depends on what the driver was doing at the moment of the collision, which makes these claims uniquely complex.
Which Insurance Applies
Coverage generally works in phases. When the app is off, only the driver's personal auto insurance applies. When the driver is logged in and waiting for a ride request, Uber and Lyft provide limited contingent liability coverage. When the driver is en route to a passenger or has a passenger in the car, the rideshare company's larger commercial policy — typically up to one million dollars — applies. Determining which phase was active is essential to your claim.
Who Can Recover
Injured rideshare passengers, occupants of other vehicles, cyclists, and pedestrians may all have claims. Because rideshare companies classify drivers as independent contractors, they often try to limit their responsibility, and the overlapping policies can lead to disputes over coverage. An attorney who understands the rideshare framework can cut through the confusion.
Protecting Your Claim
Document the crash, note whether you were a passenger and the trip details, and preserve the app records. Recoverable damages include medical bills, lost income, and pain and suffering. Early legal guidance helps ensure the right policy is pursued.
Injured in Indiana? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
It depends on the driver's status. Once a passenger is in the car, the rideshare company's commercial policy — up to one million dollars — typically applies.
Yes. Passengers injured in a rideshare crash can pursue compensation under the applicable insurance coverage.
You may have claims against that driver and, depending on the circumstances, the rideshare company's coverage as well.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Indiana attorney.