Getting injured in an accident with a passenger in a rideshare vehicle is a little different than getting into an accident in your own vehicle. In a rideshare accident, there are often multiple insurance companies you must work with in order to get compensation. Working with multiple insurance companies can be confusing and time-consuming, which is why you should hire a rideshare law attorney who has experience with the relevant cases.
#1 The Rideshare Driver's Private Insurance
When you are injured in another person's vehicle under regular circumstances, the first place you should turn is the driver's insurance company. The same is true in this instance: you should turn to the driver's private insurance carrier. The driver's private insurance is designed to cover everyone who is in the vehicle. Some aspects of their insurance policy, such as personal injury protection, come into play and are provided for all the people in the vehicle regardless of who was at fault. The first company you reach out to should be the driver's private insurance company, if only to let them know that you were in the vehicle at the time of the crash and can serve as a witness.
#2 The Other Driver's Insurance Company
Just like with a regular accident, you should contact the other driver's insurance company as well. Once again, this lets the other driver's insurance company know who else was injured in the accident, and you serve as another witness to what happened. If it is determined that the other driver holds responsibility for what occurred, then their insurance company is responsible for taking care of you, just like with a regular accident involving another driver.
If the other driver involved was also on the job, their company's insurance provider would be who you turn to instead. The business's vehicle insurance is responsible for taking care of anyone injured by one of their workers.
#3 The Rideshare Company's Insurance Company
Finally, you may also want to contact the insurance company for the rideshare app that you used. The rideshare company may try to pass responsibility onto the driver; however, there are numerous instances where one could argue that the rideshare's insurance company should be responsible for the injuries you received depending on the exact circumstances of the accident. They can help ensure that your needs are taken care of and that the right insurance company is held responsible.Share