As the owner of the personal injury law firm, The Jaklitsch Law Group, experienced attorney Rick Jaklitsch stays informed on the latest developments impacting liability and insurance law. As a reflection of the growing rideshare industry, Rick Jaklitsch represents victims in auto crashes and incidents involving rideshare drivers.
The users of rideshare services are not protected under their driver’s personal policy as they would if taking a ride from a friend. This is because traditional car insurance does not cover incidents related to the commercial use of a vehicle. To better protect riders, major rideshare firms began offering policies to their drivers. However, these plans also have limitations. Coverage is categorized into four different situations. No additional coverage is provided when the driver is not logged into the app.
Logged-in drivers who are awaiting a ride request are also not covered. Once the driver has received a job, the rideshare insurance policy kicks in. If a driver causes a collision during this period, some of the compensation may derive from the rideshare policy. In the final scenario, the rideshare passenger and any other individuals impacted by an accident will be covered by the driver’s rideshare insurance.