Rideshare crashes come with a question ordinary accidents do not have: whose insurance is actually on the hook? The answer changes based on what the app was doing at the moment of impact, and rideshare companies have built their entire claims process around that complexity. Verde Law has not. We identify the coverage, document the app period, and pursue every policy that applies, in all 50 states.
The app decides the insurance
State rideshare laws across the country follow the same basic structure:
- App off: the driver's personal auto policy applies, and personal policies often exclude commercial driving. This is the gap period where claims get bounced between insurers.
- App on, waiting for a request: the rideshare company's contingent coverage applies, at lower limits.
- Ride accepted through drop-off: state rideshare laws, including Florida's, generally require at least $1 million in liability coverage.
The difference between these periods can be the difference between a five-figure policy and a seven-figure one. Pinning down the period is job one, and it takes the app data to do it.
Who we represent
Passengers hurt during an Uber or Lyft ride. Rideshare drivers hit while working. And drivers, motorcyclists, cyclists, and pedestrians struck by a rideshare vehicle. Your seat changes the coverage analysis. It never changes your right to full compensation.
Preserve the digital evidence
Screenshot the trip, the receipt, and the driver's information. Report the crash in the app and to police, both. The trip's GPS and timestamp data proves which coverage period applied, and we send preservation demands so it does not quietly disappear.
The "independent contractor" wall
Rideshare companies argue their drivers are not employees. That argument matters less than they want it to: the coverage required by state rideshare laws applies regardless of the label, and we pursue every applicable policy, including your own where it adds value.
Benefits and deadlines follow the state
In no-fault states like Florida, your own PIP may cover initial medical bills, with Florida's 14-day treatment window applying. Deadlines to sue vary from state to state. We identify the governing law before anything gets filed.
I was a passenger and I don't own a car. Is there still coverage?
Yes. During the ride, the rideshare policy covers passengers, and other sources may apply on top. Not owning a car does not defeat the claim.
The driver's app was off. Now what?
Then the driver's personal policy and your own uninsured motorist coverage come into play. The case gets harder, not hopeless, and sorting exactly this mess is why we exist.
Free, bilingual case review, and no fee unless we win. Send us the trip receipt and we will take it from there.