First-Party vs. Third-Party Claims After a Rideshare Crash
After a rideshare crash you may pursue an at-fault party's insurance, your own coverage, or both. Understanding the difference helps you use everything available.
Third-party claim
This is a claim against an at-fault party's liability insurance — the at-fault driver's personal policy or the rideshare company's coverage — for causing your injuries. It turns on proving who was at fault and which coverage applies.
First-party claim
This is a claim under your own coverage — or, in a trip, the rideshare policy's uninsured/underinsured motorist coverage. It matters most when the at-fault driver has no insurance, too little, or fled.
The bottom line
The two are not mutually exclusive. Identifying every source of coverage — at-fault, rideshare, and your own — is part of pursuing a full recovery after a rideshare crash.
Frequently asked questions
Can I use uninsured motorist coverage after a rideshare crash?
Sometimes, yes — during a trip the rideshare policy's UM coverage can apply, and your own policy may too, when the at-fault driver lacks enough insurance.
This is general information about Rideshare Accidents injury claims, not legal advice. Every situation is different.
The law depends on your state
The steps above apply wherever you were hurt. Filing deadlines, fault rules, and limits on damages differ by state — pick yours for what applies to rideshare accidents.
Not sure which applies to you?
A quick, confidential review can help you decide — about two minutes, no cost, no obligation.