Why ride status matters after an Uber or Lyft crash
California’s rideshare law separates liability insurance from uninsured and underinsured motorist coverage. SB 371 addresses passenger UM/UIM coverage. That is different from coverage for harm caused by a rideshare driver. A reference to a million-dollar policy does not mean every person has a million dollars available.
Sources: SB 371, chaptered 2025 ↗ · Insurance Code section 11580.2 ↗
Liability coverage versus uninsured motorist coverage
Keep the trip receipt and any safe screenshots that show the trip time, vehicle, and driver. Identify whether you were a passenger, a driver, or in another vehicle. Bring every relevant policy and letter to a review. Other insurance may need analysis; it should not simply be added to the rideshare limit.
Sources: SB 371, chaptered 2025 ↗ · Insurance Code section 11580.2 ↗
READ THE DECISIONS
Court decisions relevant to san jose uber and lyft accidents: insurance and legal help
Waller v. Truck Ins. Exchange, Inc.
(1995) 11 Cal.4th 1, pp. 18–19
The court read the policy to decide if a loss might be covered. What the contract says matters.
Limits of this decision: This was a business policy. It does not show what your own car policy pays.
Read the opinion ↗Review information for this guide is recorded above. Read each decision with its stated limits.
Legal and agency sources for this page
Use the sources to read the underlying rule or current official process. A source link is not personal legal advice.
- SB 371, chaptered 2025 ↗
- Insurance Code section 11580.2 ↗
- Waller v. Truck Ins. Exchange, Inc. (1995) 11 Cal.4th 1 ↗
Reviewed by Andrew Ronald Gillin · 2026-11-05 · Review and correction process