Ridesharing pick-up zone for car with insurance coverage.

Coverage Under Each Step of the Ridesharing Process: What Rideshare Drivers Should Know

With the increase of ridesharing services such as Uber and Lyft, there has also been an increase in the number of accidents. This leads to many questions surrounding insurance. While the driver must have his or her own insurance, when is he or she covered by Uber? According to Uber, looking at three different “periods” in the ridesharing process through which it divides drivers’ time can best sum up this question of coverage.

Insurance Coverage During Each Step of the Ridesharing Process

Period 1: The rideshare app is turned on and the driver has not yet received a request 

Uber, which treats its drivers as independent contractors rather than employees under the law, will not be held responsible for any injuries incurred while a driver is technically not considered working. When a driver has turned on the app but is still waiting for a rider request, he or she is not yet considered to be working. Therefore, Uber will not be liable and any accident in which the driver is involved will be treated as any other personal injury accident in which the driver’s own insurance is applied. 

Period 2: The driver has accepted the request and is on the way to pick up the rider

When an Uber driver has received a rider request and is on his or her way to pick the passenger up, this is considered the second period. When an accident occurs in period 2, Uber’s insurance will cover you for any damages. However, one important thing to remember is that you must be able to prove that you were in fact in period 2. 

If the rider suddenly cancels after you have been involved in an accident, Uber can easily argue that they canceled prior to the crash and can, therefore, claim that you were actually in period 1, making the company no longer liable for any damages. That’s why it is so important that if you are involved in an accident during period 2 when you are on your way to pick someone up you should capture any evidence possible. Be sure to take a screenshot of the active ride to prove that you were on your way to pick up someone when the incident occurred. Be sure that you capture the date and time in your screenshot. 

Period 3: The driver has picked up the passenger 

It is easiest to receive coverage under Uber when you are in period 3. During this period the passenger is in your vehicle and you are driving to their desired destination. Still, be sure to show to provide enough evidence to prove your case. 

The Attorneys at Jones Kahan Law, LLC Can Help Those in Ohio Who Have Been Injured in a Ridesharing Accident

If you have been injured in a ridesharing accident, it can greatly impact many areas of your life. The physical, emotional, and financial toll can be overwhelming. That’s why it is so important to consult with a knowledgeable and experienced ridesharing accident attorney. 

At Jones Kahan Law, LLC, our Cincinnati personal injury attorneys have a long history of dealing with auto accidents and have helped our clients to recover the compensation that they deserve. We will fight for what is in your best interest. We don’t charge you any attorneys’ fees until we win your case. To learn more or to schedule a free consultation, contact us today