Hourigan, Kluger & Quinn Attorneys
Learn how rideshare accident insurance works and why liability is often more complex than standard crashes.
Rideshare accidents are complex because insurance coverage changes based on what the driver was doing in the app at the exact moment of the crash.
Most people do not realize there are three different coverage phases:
• App off
• App on but no passenger / Delivery
• Active trip
Each phase can involve different insurance limits and different responsible parties.
A surprising issue is that coverage disputes often come down to seconds of timing, including whether a ride was accepted before or after impact.
Another complication is that multiple insurers may deny responsibility initially, creating delays in claim resolution.
Injury claims often overlap with standard motor vehicle collisions but involve additional coverage layers that are not obvious to most drivers.
• Multi-vehicle accident claims
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