What Are Rideshare Working Phases, and How Can They Impact Your Claim?

Rideshare services have become a favored mode of transportation in Colorado and across the country. However, when an accident occurs, determining liability can be challenging. One of the most important factors in a rideshare accident claim is identifying the driver’s phase during the crash. The working phases of a rideshare driver play an important role in determining which insurance policy applies and who is responsible for covering damages.

If you were injured in a rideshare accident, you may face medical bills, lost wages, and uncertainty about your next steps. Mintz Law Firm has extensive experience handling Uber and Lyft accident claims, and we can help you understand your legal options.

Understanding the Different Rideshare Working Phases

Rideshare drivers operate within three working phases, each impacting insurance coverage differently. Whether the driver was transporting a rider or waiting for a ride request, the level of coverage available changes significantly. The different rideshare working phases include: 

Phase 1: App On, No Ride Accepted

This is when a driver is logged into the app and available for ride requests but has not yet accepted a passenger. During this phase, the driver’s insurance applies first, but Uber and Lyft provide limited liability coverage if the driver’s policy does not cover the accident.

Phase 2: Ride Accepted

This phase is when a driver has accepted a ride request and is ready to pick up a passenger. At this stage, Uber and Lyft’s commercial insurance policy typically provides higher liability coverage.

While the rideshare company’s limited liability coverage applies, it may not cover all damages, which may require additional claims against the driver’s personal policy

Phase 3: Passenger in Vehicle

This occurs when a driver is actively transporting a passenger. During this period, the rideshare company’s insurance provides the highest level of coverage, including liability, uninsured motorist, and contingent collision coverage.

For example, Uber or Lyft’s full commercial insurance policy usually applies in this stage, offering up to $1 million in liability coverage.

If you are unsure how to proceed, speaking with a rideshare accident attorney can help clarify your options and ensure the correct insurance policy is pursued for your injuries and losses.

Why Should Out-of-State Visitors Hire a Colorado Rideshare Accident Attorney?

If you were visiting Colorado when your rideshare accident occurred, hiring a local attorney is essential. Any legal claims related to the accident will likely be filed in Colorado, meaning Colorado laws will apply to your case. Out-of-state accident victims may also face additional challenges in coordinating medical care and pursuing compensation.

A Colorado rideshare accident attorney can help by:

• Ensuring appropriate medical treatment: We can assist in arranging medical care, even if you have already returned home.
• Managing insurance negotiations: Our firm will work with all involved insurance companies to maximize your compensation.
• Representing you in court if required: If your claim requires litigation, having a local attorney ensures you have legal representation in the appropriate jurisdiction.

Dealing with an accident while on vacation or traveling for business can be stressful. Let an experienced Colorado attorney handle the legal aspects while you focus on recovery.

Speak With a Rideshare Accident Attorney at Mintz Law Firm

Rideshare accident claims often involve multiple insurance policies and complicated liability questions. However, Mintz Law Firm has over 30 years of experience representing clients in Colorado, including those involved in Uber and Lyft accidents. We know dealing with insurance companies can be stressful, but you don’t have to go through the process alone.

If you were injured in a rideshare accident, call Mintz Law Firm today at (303) 462-2999 or fill out our contact form to schedule a free consultation. Our seasoned rideshare accident attorneys are ready to fight for your rights and help you confidently move forward.