Understanding Off-App Time and Its Importance in Rideshare Accidents
To understand how Ohio law addresses rideshare accidents that happen during off-app time, it’s essential to first grasp what “off-app time” means. Off-app time refers to the period when a rideshare driver is not actively engaged in picking up or dropping off passengers through their rideshare app. This could be a time when the driver is waiting for a ride request, taking a break, or heading toward a passenger pickup without being actively engaged in a ride. In a typical rideshare situation, such as when the driver is on their way to pick up a rider or during the ride itself, liability is fairly straightforward. The company’s insurance coverage may apply if there is an accident. However, the situation changes significantly when the driver is not using the app, as their personal insurance might come into play, which can lead to complications in determining who is responsible for damages.What Happens to Insurance Coverage During Off-App Time
One of the most common questions clients ask is about who will cover their injuries and property damage in a rideshare accident during off-app time. Since rideshare companies like Uber or Lyft typically provide insurance coverage when a driver is actively using the app, accidents that occur when the app is off can become more complicated. Ohio law doesn’t provide clear-cut answers in these cases, as it depends on various factors, including whether the driver was technically still in the process of providing a service to a potential rider or not. During off-app time, the driver’s personal auto insurance is likely to be the primary source of coverage. However, this can be tricky, as the personal policy may not cover accidents that happen while the driver is still technically “on duty,” even though they are not actively transporting a rider.
Dan Ryan
Attorney
Elizabeth Fitzgerald
Paralegal
Our objectives remain clear in every case we pursue: To give every client, without delay, excuse or equivocation, our full attention, sound advice and forceful representation.
About Our FirmHow the Law Views Liability During Off-App Time
The legal landscape in Ohio surrounding rideshare accidents during off-app time is still evolving. While rideshare companies are required to maintain insurance coverage for accidents that occur while their drivers are working, the law does not automatically extend that coverage to off-app time. This can lead to disputes over who is liable for injuries and damages, as drivers may rely on their personal insurance to cover accidents. The issue becomes even more complex if the driver was in the process of heading toward a passenger or was waiting for a ride request. In some instances, courts may view this time as part of the driver’s responsibility to their rideshare company, and the company’s insurance may offer coverage. However, other times, drivers may be seen as off duty, and their personal insurance may be the primary source for any claims. Ohio courts are still determining how they will address these situations, which makes it even more important to work with a knowledgeable attorney who understands how these cases are likely to unfold.
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