Can I sue Uber or Lyft directly?

Usually claims go through the company's insurance. The companies generally classify drivers as independent contractors, which limits direct liability, but the insurance still applies during covered periods.

What if my rideshare driver was not at fault?

You can claim against the at-fault driver's insurance. If that driver is uninsured or underinsured, the rideshare policy's uninsured motorist coverage may apply in some states.

Do the same rules apply to delivery apps?

Food and grocery delivery drivers have their own coverage arrangements, which vary by company and state. The same "what was the driver doing" question usually decides which policy pays.

What if I was the rideshare driver and got hurt?

You may claim against the at-fault driver and use your own coverage. Some rideshare companies offer optional injury protection for drivers. Check your driver agreement.

How long do I have to file?

Your state's personal injury statute of limitations usually applies. See statute of limitations by state.

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