Yes. Georgia law requires all rideshare drivers to carry insurance. It varies in what it provides depending on whether the driver is actively driving for a rideshare service.
Here’s how it works for times when:
- The rideshare driver isn’t on the app and isn’t transporting a passenger; the driver’s personal car insurance policy covers them like any other driver.
- The rideshare driver is on the app but isn’t transporting a passenger; the driver must have property damage liability coverage of $25,000 per accident; and $50,000 bodily injury or death liability per passenger, or $100,000 per crash.
- The rideshare driver was on the app and was also transporting a passenger; they must have bodily injury, death, or property damage liability of at least $1,000,000.
Under Georgia statute, if you ride with a rideshare driver, or the driver has accepted a ride request on the rideshare company’s app, and an accident occurs, a minimum of $1 million liability coverage applies for all injuries, death, and property damage. Additionally, $1,000,000 underinsured/ uninsured motorist coverage is also required. The coverage must start when the driver accepts a ride request on the company app and runs until the driver completes the transaction or ride, whichever is later.
There should be a single limit insurance policy of $1,000,000 for anyone accident per the parameters above. It might seem like a lot of coverage. However, in a severe car crash, with more than one injured party, this isn’t much money to compensate for all the property damage and special and general damages of the injured.
Keep in mind that one individual’s serious injuries can result in medical bills ranging from $100,000 to $500,000 or even higher. If someone dies, a wrongful death claim can easily exceed $1,000,000. Each claim is different, however, and the best way to get an idea of the possible value of your claim is to consult a Duluth ridesharing accident lawyer.
