When A Rideshare Driver Causes An Accident In Offline Status
As car accident attorneys serving Detroit and communities across Michigan, we often speak with clients who are injured in collisions involving rideshare drivers—drivers for Uber, Lyft, and similar services. One question that comes up often is what happens when a rideshare driver causes an accident but is “offline,” meaning they are not actively using the app to accept or provide rides at the time of the crash. These situations create unique legal and insurance questions, and it’s important for you to understand your rights if you are injured in this type of accident.
In Michigan, all drivers—including rideshare drivers—are required to carry certain types of insurance under the state’s no-fault system. However, when a rideshare driver is offline, the rideshare company’s insurance coverage no longer applies. That means your recovery options may be more limited, and the driver’s personal auto insurance becomes the main source of compensation. Knowing what to expect and how to proceed is critical to protecting your right to financial recovery.
Understanding The Driver’s “Offline” Status In A Rideshare Accident
A rideshare driver is considered “offline” when they are not logged into the Uber or Lyft app and are not available to accept ride requests. During this time, they are using their vehicle for personal reasons, and Michigan law treats them just like any other non-commercial driver.
If an offline rideshare driver causes a crash, the rideshare company will typically deny any liability. Uber and Lyft both provide liability insurance coverage when their drivers are “on the clock,” but that coverage does not extend to offline use. Instead, the driver’s own auto insurance is responsible for covering damages caused by the crash.
Insurance Requirements Under Michigan’s No-Fault Law
Michigan is a no-fault state, which means that if you are injured in a car accident—regardless of who caused it—you typically turn first to your own Personal Injury Protection (PIP) benefits. These benefits are mandatory under Michigan law, specifically MCL 500.3101 and MCL 500.3107, and they help pay for:
- Medical expenses
- Lost wages (up to 85% of your income, subject to a cap)
- Household replacement services (like cleaning or childcare)
- Mileage for medical appointments
If your injuries are serious enough to meet Michigan’s threshold for a third-party lawsuit—meaning you suffered death, serious impairment of body function, or permanent serious disfigurement under MCL 500.3135—you may pursue a liability claim against the at-fault rideshare driver.
Liability Claims Against An Offline Rideshare Driver
When filing a claim against an offline rideshare driver, their personal liability insurance policy becomes the main target of recovery. Michigan requires drivers to carry minimum liability coverage of:
- $50,000 for bodily injury or death of one person
- $100,000 for bodily injury or death of two or more people
- $10,000 for property damage (MCL 500.3009)
However, these limits may not be enough in a serious accident. If your damages exceed the driver’s coverage limits, you may also be able to file a claim under your own uninsured/underinsured motorist (UM/UIM) coverage, if you carry it. We help clients evaluate every available source of compensation so nothing is left on the table.
Common Issues We See In These Claims
We often see insurance companies dispute liability when rideshare drivers are involved, especially if there is any uncertainty about whether the driver was “online” or “offline” at the time of the accident. Determining the driver’s app status can be key, and we work quickly to preserve evidence and obtain company records that confirm the timeline.
In other cases, drivers may carry limited insurance or even be uninsured, leaving victims scrambling to cover the costs of their injuries. These are exactly the kinds of situations where legal help becomes essential.
Rideshare Accident Claim Frequently Asked Questions
What If I’m Hit By An Offline Uber Or Lyft Driver?
If a rideshare driver hits you while they are offline, their personal insurance is responsible for covering your injuries and property damage. Your first step will be to file a claim under your own PIP benefits to cover medical expenses and lost wages. Then, if your injuries are serious, you can pursue a liability claim against the driver directly.
Does Uber Or Lyft Cover Accidents When The Driver Is Not Logged Into The App?
No. When a rideshare driver is not logged in and not actively working, Uber and Lyft do not provide any coverage. Their commercial liability policies only apply when the driver is logged into the app or providing a ride. During offline periods, the driver’s personal policy is the only available coverage.
Can I Sue A Rideshare Driver Personally If Their Insurance Is Not Enough?
Yes. If your damages exceed the limits of the rideshare driver’s personal insurance policy, you may sue the driver for the remaining amount. However, collecting from an individual without significant assets can be difficult. That’s why we also look at your UM/UIM coverage, which may help make up the difference.
How Can I Prove That The Driver Was Offline At The Time Of The Accident?
We request app data, cell phone records, and statements from the rideshare company to determine whether the driver was logged in at the time of the accident. This is crucial because it affects which insurance policy applies and how much compensation may be available.
What Damages Can I Recover In A Lawsuit Against A Rideshare Driver?
If you meet Michigan’s injury threshold, you can recover damages for pain and suffering, excess medical expenses not covered by PIP, and lost wages beyond what your PIP benefits cover. We help our clients build strong cases and calculate the full value of their losses.
Can I File A Claim If I Was A Passenger In Another Vehicle?
Yes. Whether you were in your own car or riding with someone else, you are entitled to PIP benefits through your policy or the Michigan Assigned Claims Plan. If a rideshare driver was at fault, you may also pursue a liability claim against them or their insurer.
Call Our Detroit Rideshare Accident Attorneys Today
If you’ve been injured by a rideshare driver who was “offline” at the time of the crash, you may still have options for recovery. At Ravid & Associates, P.C., we represent car accident victims across Detroit and throughout the state of Michigan, helping them secure the compensation they need to move forward.
If your loved one was injured in a car accident, call our Detroit rideshare accident lawyers at Ravid & Associates, P.C. by calling (248) 948-9696 to receive your free consultation. Our office is conveniently located in Southfield, and we’re here to stand up for your rights after a rideshare accident.
