Getting into a rideshare is convenient, but accidents can happen just like with any other car. If you’re injured in a rideshare crash, figuring out who pays for your losses can get confusing. Maryland law has specific rules about liability, insurance coverage, and your right to recover compensation.
Understanding how liability works
In a rideshare accident, fault depends on who caused the crash. If your rideshare driver was careless, they may be responsible. If another driver hit your rideshare, that person’s insurance typically covers your injuries. Maryland’s at-fault system means the person who caused the accident must pay for the damages. However, because rideshare drivers use their personal vehicles, determining which insurance policy applies can take some digging.
Insurance coverage for rideshare drivers
Rideshare companies carry insurance policies for their drivers. The coverage changes depending on what the driver was doing at the time of the accident. If the driver wasn’t logged into the app, their personal insurance applies. If they were waiting for a ride request, limited company coverage might kick in. Once a passenger is in the car or a ride is in progress, the rideshare company’s full commercial policy usually covers injuries and property damage.
What passengers and drivers should do after a crash
If you’re in a rideshare accident, start by calling the police and getting medical attention. Document the scene with photos and collect contact details from everyone involved. You should also report the crash to both the rideshare company and the insurance providers. Maryland follows strict timelines for filing claims, so keeping records and acting quickly helps protect your rights.
Protecting your right to fair compensation
Maryland’s contributory negligence rule means that if you share even a small amount of fault, you might not recover damages. That’s why it’s important to understand how liability and insurance coverage interact in these cases. Knowing which policy applies and gathering the right evidence can make a difference in how your claim is resolved.