When an Uber or Lyft crash hurts you in Wyoming, the coverage that applies depends on exactly what the driver was doing.
Why Rideshare Claims Are Different
Rideshare companies carry large insurance policies, but coverage hinges on the driver's status at the moment of the crash — whether the app was off, on and waiting, or actively carrying a passenger. Each phase triggers different coverage.
Coverage by Phase
When the app is off, the driver's personal policy applies. When the driver is logged in but waiting, limited contingent coverage applies. During an active trip, the rideshare company's larger policy typically covers passengers and third parties.
Who Can Recover
Injured passengers, other drivers, cyclists, and pedestrians can all have claims. Sorting out which policy applies — and overcoming the companies' efforts to minimize payouts — takes careful attention to the trip records.
Wyoming Considerations
Rideshare use concentrates in Cheyenne, Casper, Jackson, and around the airports and tourist areas. The same Wyoming rules on fault and damages apply, with the added layer of determining the correct insurer.
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This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Wyoming attorney.