Win With Nguyen
Uber and Lyft maintain tiered insurance — $50,000 per person offline, $1 million once a ride is accepted or in progress. Which tier applies can be worth hundreds of thousands of dollars. Most lawyers don't know the difference.
Quick answer: Whether you're a rideshare passenger, a driver, or a third party hit by a rideshare driver, the coverage available depends on which 'period' the app was in at the time of the crash. Period 0 (app off), Period 1 (app on, waiting), Period 2 (en route to passenger), and Period 3 (passenger in vehicle) each have different coverage tiers.
We subpoena app data from Uber or Lyft to establish exactly which trip phase was active. This unlocks the correct insurance tier.
Driver's personal policy, rideshare company's contingent policy, and any UM/UIM coverage — we stack every available source.
Passengers are virtually always covered — the question is just how much. We maximize the claim.
Sometimes — Uninsured/Underinsured Motorist coverage on your own policy can stack on top of the rideshare company's coverage if the at-fault driver had insufficient insurance.
Depending on the trip phase, you may be covered by the rideshare company's $1M policy even though you weren't in the rideshare vehicle.
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