Uber and Lyft Accidents in Ohio: Whose Insurance Pays?

After an Uber or Lyft crash in Ohio, the single most important question is often a technical one: what was the driver's app status at the moment of the collision?

Ohio's Rideshare Insurance Framework

Ohio law (R.C. § 4925) requires transportation network companies to carry tiered coverage. When the app is off, the driver's personal policy applies. When the app is on but no ride is accepted, a smaller contingent policy applies. Once a ride is accepted or a passenger is aboard, a $1 million commercial liability policy is in effect.

Why App Status Drives Everything

Because coverage changes dramatically by phase, rideshare companies and insurers scrutinize trip data closely. Establishing the driver's exact status — through app records and trip logs — is central to accessing the right policy.

If You Were a Passenger

Injured passengers are almost always covered by the $1 million policy during an active trip, regardless of which driver was at fault. You may have claims against the rideshare driver, another driver, or both.

Common Complications

Rideshare drivers are independent contractors, which companies use to limit direct liability. Multiple insurers may point fingers at each other. Untangling this is far easier with legal guidance.

This article is for general informational purposes only and is not legal advice. Laws change and every case is different. For guidance on your specific situation, consult a licensed Ohio attorney.