Rideshare Crashes Are Legally Complicated
Rideshare services like Uber and Lyft are now everywhere in Mississippi — around Jackson, the Gulf Coast, college towns, and the Memphis suburbs. When a crash involves a rideshare vehicle, determining which insurance applies can be confusing, because coverage depends on what the driver was doing at the moment of the crash.
Whether the app was off, on and waiting for a ride, or actively carrying a passenger changes which policy — the driver's personal insurance or the rideshare company's commercial coverage — is responsible.
Understanding Rideshare Insurance Periods
When the app is off, the driver's personal auto policy applies. When the app is on but no ride is accepted, limited contingent coverage applies. Once a ride is accepted or a passenger is in the car, Uber and Lyft typically provide up to $1 million in liability coverage. Injured passengers, other drivers, and pedestrians all need an attorney who understands how to access the right policy.
Mississippi follows a pure comparative negligence rule, so you can recover compensation even if you were partly at fault — your award is simply reduced by your percentage of fault. As long as you are not found 100% to blame, you can still recover.
Who Can Recover After a Rideshare Crash
Injured rideshare passengers, occupants of other vehicles, pedestrians, cyclists, and even rideshare drivers themselves may have claims. Compensation can include medical bills, lost wages, and pain and suffering. We connect you with attorneys who know how to pursue these multi-policy claims.
Injured in Mississippi? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
When you're a passenger in an Uber or Lyft during a trip, the company's commercial policy (up to $1 million in liability coverage) typically applies. An attorney can confirm and pursue it.
You may still recover from the at-fault driver's insurance, and the rideshare company's uninsured/underinsured coverage may also apply. All available policies should be explored.
Generally three years from the crash date under Miss. Code § 15-1-49. Contact an attorney promptly to sort out the insurance.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Mississippi attorney.