Rideshare cases involve multiple insurance policies and complex liability. Funding helps claimants wait out the inevitable delays.
Whether you were the rider, the driver, or in another vehicle, rideshare accident claims involve a layered insurance structure — the driver's personal policy, the rideshare company's policy, and sometimes the other driver's policy.
Sorting through which insurer is on the hook takes time. Meanwhile, your medical bills and lost wages continue.
Pre-settlement funding on rideshare cases works exactly like other auto accident cases: non-recourse, no credit check, repaid from settlement.
The layered coverage problem
Rideshare accidents involve multiple potential insurance policies: the driver's personal policy, the rideshare company's commercial policy, your own coverage if you were a passenger, and the other driver's policy if they were involved.
Which policy applies depends on whether the rideshare driver was logged into the app, en route to a pickup, or carrying a passenger.
Why these cases take longer to resolve
Sorting through coverage often takes months. Each carrier waits to see whether another is on the hook, and litigation may be required to force a clear answer.
Meanwhile, your bills do not pause for coverage litigation.
Higher policy limits, larger advances
Rideshare company policies carry $1 million in liability coverage during active rides. That higher available recovery often supports larger advances than would be possible against a personal auto policy alone.
On serious injury cases, this can make a significant difference in what you qualify for.
Whether you were rider, driver, or third party
Funding is available regardless of your role in the accident, as long as you have an attorney and an active claim.
Talk to your attorney about which policies apply to your specific situation, then apply for funding based on the total available coverage.
Talk to AARC before you make a financial move you'll regret
Every situation is different, and the right answer depends on the specifics of your case, your timeline, and what you need the money for. The single best thing you can do is have a short, no-pressure conversation with someone who funds these cases every day.
Call AARC at (800) 297-3834 or apply online in about three minutes. There is no credit check, no obligation, and no cost to find out what you qualify for. If a cash advance isn't the right tool for your situation, we'll tell you that too.
