Rideshare crashes raise a question ordinary accidents don't: whose insurance pays? In Mississippi, the answer depends on what the driver was doing at the moment of the crash.
How Rideshare Insurance Phases Work
Coverage depends on the driver's status. App off: their personal policy applies. App on, waiting for a ride: limited coverage applies. En route to or carrying a passenger: the rideshare company's larger policy generally applies.
These phases determine which policy — and how much coverage — is available for your injuries.
Who Can Be Liable
Depending on the crash, the rideshare driver, another motorist, or multiple parties may be responsible. Identifying all of them maximizes available coverage.
As a passenger, you're almost never at fault and typically have clear avenues to recovery.
Mississippi Rules Still Apply
The general three years from the date of the injury under Mississippi Code § 15-1-49 applies to rideshare injury claims, and Mississippi's pure comparative negligence, meaning your compensation is reduced by your percentage of fault but you can still recover even if you were mostly to blame governs how fault is shared among drivers.
Document the ride (screenshots of the trip help), the scene, and your injuries.
Protecting Your Rideshare Claim
Preserve trip records, get medical care, and be cautious with multiple insurers who may each try to shift responsibility. Experienced help untangles the coverage questions.
Most injury attorneys handle these on contingency, so guidance is available without upfront cost.
Frequently Asked Questions
It depends on the driver's status at the time. When carrying or en route to a passenger, the rideshare company's larger policy generally applies; otherwise more limited coverage may apply.
Almost always. Passengers are rarely at fault and typically have clear paths to recovery, often through the rideshare company's coverage or another driver's insurance.
Seek medical care, screenshot your trip details, document the scene, and be careful communicating with the various insurers, which may try to shift responsibility.