What insurance applies in a rideshare accident?
Several policies may be in play, and the order matters.
The driver's personal auto policy, which may contain a rideshare exclusion. Many standard policies exclude coverage while driving for hire, which is why the platform coverage exists.
The platform's coverage, at the tier corresponding to the driver's status at the moment of the crash.
Your own PIP, which applies regardless.
Your own uninsured or underinsured motorist coverage, if the available liability coverage is insufficient.
Where disputes arise. Between the personal insurer and the platform's insurer over which applies, with the injured person caught in between while both investigate. That's a common source of delay.
What to do. Report to your own insurer promptly and open your PIP claim rather than waiting for the coverage question to resolve. And document the driver's status at the time — screenshots, receipts, and the trip record if you were a passenger.
Open your own PIP claim while they argue about whose policy applies. ---
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