Rideshare insurance depends on what the driver was doing in the app at the time of the crash.
App off: only the driver’s personal insurance applies. App on, waiting for a ride: limited coverage from Uber or Lyft. During a ride or on the way to pick up: up to $1 million in liability coverage.
Screenshots of the app, the ride receipt and the police report help prove which coverage applies. We request the rest.
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