Last Updated September 19, 2026
Short answer
A crash involving an Uber, Lyft, or other transportation network company driver can involve different insurance coverage depending on the driver’s app status. Alabama and Georgia impose insurance requirements during defined rideshare activity, while a driver’s personal automobile policy may exclude some coverage while the driver is logged on.
A rideshare collision may involve a passenger, another driver, a pedestrian, a bicyclist, or the rideshare driver. Determining which insurance applies can depend on whether the driver was logged off, available for a ride request, or engaged in a prearranged ride when the collision occurred.
Why App Status Matters
Alabama and Georgia require insurance coverage during defined periods of transportation network company activity. The applicable coverage can depend on whether the driver was merely available for a request or had accepted a prearranged ride. Trip receipts, app screenshots, driver information, and company records may help establish the driver’s status. See dealing with insurance.
Claims by People Outside the Rideshare Vehicle
Rideshare crashes can injure people in another vehicle, pedestrians, bicyclists, or others who were never passengers in the rideshare vehicle. The same app-status and insurance questions may still affect which policies apply. See pedestrian and car accident resources for additional information.
How a claim often moves
- 1
Get medical care.
- 2
Screenshot the trip and save the receipt before the app buries it.
- 3
Report the crash to your own insurer if the policy requires it.
- 4
Speak with an attorney before you accept the first explanation of “the company will handle it.”
How Brock & Stout can help
We can investigate the driver’s app status, identify the potentially applicable rideshare and automobile policies, gather crash evidence, and evaluate the available coverage under the law that applies. Call or request a free consultation.
Frequently asked questions
Personal injury claims are subject to filing deadlines, and the deadline that applies can depend on the facts of the case. Different notice requirements may apply depending on who is involved. Do not use this website to calculate a filing deadline. Speak with an attorney promptly.
Not automatically. Coverage depends on the driver’s app status, the company’s policy, other drivers, and your own insurance. Read the policies. Do not rely on an ad.
Related resources
- Car Accident Injury Claims — Car Accident Injury Claims
If another driver’s negligence caused a crash, you may have a claim against that driver and available insurance. Your own policy can also matter, including uninsured motorist coverage. This page does not calculate a filing deadline or a settlement value.
- Dealing With Insurance After an Injury — Dealing With Insurance After an Injury
You usually must cooperate with your own insurer. The other company’s adjuster does not work for you. Recorded statements, medical authorizations, and early settlement offers can affect the claim. Get advice before you guess about fault or future medical care.
- Pedestrian Accidents — Pedestrian Accidents
Pedestrian crashes can occur in crosswalks, intersections, parking areas, roadsides, and other locations where vehicles and people on foot cross paths. Fault depends on the circumstances, including right of way, traffic signals, visibility, driver conduct, pedestrian conduct, and applicable state law.
- Uninsured and Underinsured Motorists — Uninsured and Underinsured Motorists
UM/UIM coverage may apply when an at-fault driver has no insurance, insufficient insurance, or in certain hit-and-run situations. Whether coverage is available depends on the policy, any valid rejection or coverage selection, and applicable state law. Prompt notice to the insurer may also be important.
Injured and not sure what to do next?
Call now or request a free case evaluation. We can review what happened and explain options. We cannot promise a particular result.
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This page is general educational information about personal injury claims as of the date shown. It is not legal advice, does not create an attorney-client relationship, and does not guarantee a result. Facts, insurance coverage, and state law vary. Do not use this website to calculate a filing deadline. Personal Injury Knowledge Center
