Can I Still Sue If a Rideshare Driver Was Not Logged In?

 Posted on June 13, 2025 in Car Accidents

Uber and Lyft frequently advertise their $1 million insurance policies. However, if a rideshare driver causes a car crash while not logged into the app, the claim works differently than if the driver was actively working.

The moment the driver logs out, the insurance coverage changes from the company’s policy to the driver’s personal policy. This can limit the compensation available and lead to denied claims. Our skilled North Shore personal injury attorneys know how to handle these complex cases and will work to help you secure the full compensation you are entitled to.

Whose Insurance Company Is Liable for a Rideshare Driver’s Crash?

Rideshare companies like Lyft and Uber make it easy to get to your destination. These companies do not employ drivers. Instead, anyone driving for them is an independent contractor. That fact can complicate your claim if you are involved in an accident with a rideshare driver. Uber and Lyft only provide insurance when a driver is logged into the app. If the driver is not logged in, the company is not part of the trip and is not responsible for the crash. This means the company’s $1 million policy does not apply.

If a rideshare driver causes a crash as a regular driver, his or her personal auto insurance policy should cover the damages. However, many standard auto policies exclude commercial use. If the driver never told the insurer about his or her rideshare activity, the company may deny your claim entirely. With the rideshare company not involved and the personal insurer denying coverage, obtaining compensation is much more challenging.

Are There Other Options For Compensation After a Rideshare Driver Causes an Accident?

If the rideshare driver’s insurance denies your claim, you may need to use your own uninsured/ underinsured motorist coverage if you have it. This part of your policy can pay for medical bills and lost wages if the rideshare driver does not have valid coverage.

In some cases, a third party may share fault for causing your crash. Other potentially at-fault parties include another driver, a vehicle or parts manufacturer, or a road maintenance agency. We can conduct a full investigation to identify other at-fault parties.

Why Do I Need a Lawyer for a Rideshare Driver Accident Claim?

Identifying who was responsible for causing your accident and which insurance company is liable is only one way we can help with your accident claim. We understand the applicable laws and will take the appropriate legal steps with your claim. We can:

• Explain your legal options
• Gather evidence to support your claim
• Challenge a claim denial
• Ensure that any fault assigned to you is fair
• Calculate your damages accurately
• Negotiate with the liable insurer(s) to reach a favorable settlement amount
• File a civil lawsuit and take your case to trial if needed

Our goal is to minimize your stress while maximizing your compensation. Without the assistance of a competent attorney, you may not recover nearly as much as you deserve.

Speak to Our Experienced Glenview, IL Uber and Lyft Accident Lawyers

Getting the compensation you deserve after any accident can be challenging, but complexities like a rideshare driver’s involvement can increase the difficulty. Let the knowledgeable Northbrook, IL personal injury attorneys at Gruzmark Law, Ltd. overcome the challenges for you. Contact us at 847-729-7660 or online today to request your free consultation.