Who Pays When a Rideshare Passenger Is Injured?
The answer depends on who caused the collision, the driver’s app status and the policies available. California’s SB 371 changed the required passenger uninsured and underinsured motorist coverage to $60,000 per person and $300,000 per incident. That is different from the $1 million primary liability coverage required for the accepted-ride period. An insurance limit is not a guaranteed payment or a cap on every possible claim.
Read the chaptered text of SB 371 and Public Utilities Code section 5433. Save the trip receipt, screenshots, reports and insurer correspondence so the coverage questions can be investigated. Contact Djougourian Law Corp to discuss the collision.
Statutory figures and case authority in this article were verified against primary sources on September 9, 2026. California insurance requirements change by legislation, and the Public Utilities Commission and Department of Insurance are directed to report on the adequacy of rideshare uninsured motorist coverage levels by December 31, 2030.