Rideshare accidents involve three different insurance periods. If you don't know which one applies to your crash, you could be left with zero coverage.
The "App On" vs. "App Off" Trap
Rideshare cases are not like standard car accidents. In a normal crash, you deal with Driver A and Driver B. In a rideshare crash, you are dealing with Driver A, Driver B, and a billion-dollar technology corporation with an army of lawyers.
The most critical factor in these cases is the "status" of the driver's app at the exact second of impact.
Period 1: App Off If the Uber driver caused the crash but had their app turned off, Uber provides zero coverage. You are limited to the driver's personal insurance, which is often the state minimum.
Period 2: App On, Waiting for Ride If the driver was logged in but had not accepted a passenger yet, Uber provides limited liability coverage, but typically no collision coverage for your vehicle.
Period 3: Active Ride This is the only time the "million-dollar policy" kicks in. If the driver had a passenger or was en route to pick one up, you are covered by a significantly larger commercial policy.
Why You Need a Lawyer Immediately Rideshare companies are notorious for fighting over which "Period" the driver was in. They will claim the driver had just cancelled the ride or had just logged off seconds before the crash to avoid paying the million-dollar limit.
At Tollinchi Law, we subpoena the electronic ride logs immediately. We don't take their word for it; we get the data. If you were hit by a rideshare driver, do not let them classify you into a lower coverage bracket.
Call us today.
Mariel Tollinchi, Esq.
Managing Partner at Tollinchi Law
With years of experience fighting for injury victims across Florida, Mariel is dedicated to helping families get the compensation they deserve.
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