When you use a rideshare service, you expect a safe ride to your destination. Unfortunately, accidents happen every day. If you were injured in a rideshare wreck, you may be wondering which insurance company will pay for your medical bills and other damages. Tennessee has specific laws for rideshare insurance, and knowing these rules can help you get fair compensation.
What insurance covers rideshare drivers in Tennessee?
Under Tennessee law, rideshare companies must maintain insurance policies for their fleets. However, the exact amount of coverage varies based on the driver’s activity in the app:
- Driver is offline: The driver’s personal car insurance is the only coverage that applies.
- Driver is online but has no passenger: The rideshare company offers basic liability protection.
- Driver has an active trip: The rideshare company must carry at least $1 million in liability protection.
As rideshare accidents rise, it can help to understand how it differs from typical car crashes. These different coverage levels mean that the timing of your accident directly impacts which insurer handles your claim. For example, if a rideshare driver crashes while driving to pick you up, a different corporate policy limit applies than if you were already sitting inside the vehicle. This difference can easily lead to disputes between insurance companies about who should pay.
Does fault matter if you were a passenger?
If you were a rideshare passenger, you typically bear no fault for the accident. However, Tennessee follows a modified comparative fault system. This means fault can still affect your claim. Under Tennessee law, each at-fault driver only pays damages equal to their individual percentage of fault.
If your rideshare driver was entirely at fault, the rideshare company’s insurance should cover your injuries. If a different driver is entirely responsible, you can make a claim through their auto insurance. When both drivers share fault for the crash, you can pursue claims against both parties to recover full compensation. Each driver pays only their share of your total losses.
What should you do after a rideshare accident?
Seek medical attention immediately after the accident. If possible, document the scene by taking photos and gathering driver information. Report the incident through the rideshare app. Afterwards, insurance companies investigate to determine which policy applies to your case.
In some cases, they may dispute coverage or offer settlements that do not cover your true losses. Do not feel pressured to settle immediately. Keep records of all medical treatments and any communication with insurance companies. These can support your claim and help establish the true value of your losses.
Protecting your right to recovery
A rideshare accident can turn an ordinary trip into a life-changing event. Insurance rules may seem confusing, but you have clear rights as a passenger. Multiple insurance policies may be available to cover your medical bills, lost income and other damages.