Uber and Lyft Accident Claims in Arkansas: Insurance and Liability

Rideshare crashes raise unique insurance questions. Whether you were a passenger, another driver, or a pedestrian, knowing how coverage works is key.

How Rideshare Insurance Works

Uber and Lyft carry large liability policies, but coverage depends on the driver's status at the time. When the app is off, only the driver's personal insurance applies. When they're waiting for a ride, limited coverage applies. During an active trip, the company's larger policy — up to $1 million — generally applies.

This tiered system often causes disputes about which insurer pays.

Who Can Recover

Injured passengers, other drivers, cyclists, and pedestrians can all potentially recover. The key is determining the rideshare driver's status and identifying every applicable policy.

Navigating the Complexity

Rideshare companies and their insurers are well-resourced and may dispute coverage. An attorney can pin down the driver's status, identify all coverage, and ensure you aren't caught between insurers pointing fingers.

This article is general information about Arkansas law, not legal advice for your specific situation. For advice about your claim, request a free case review.

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