My sister got hurt in a Glendale Uber crash, whose insurance pays in Arizona?

Q: My sister got hurt in a Glendale Uber crash, whose insurance pays in Arizona?

The one thing the insurer is hoping you never find out: Arizona is not a no-fault state. From the insurance company's perspective, they want your sister to think she has to pick one policy, wait quietly, and let the drivers argue over blame. They may act like the Uber driver's personal insurance is the only place to start, or that nothing gets paid until fault is "fully determined." That is not how this usually works in Arizona. If your sister was a rideshare passenger in Glendale, she can usually make claims against every available policy that may apply. Under Arizona's rideshare law, when a passenger is in the vehicle, the transportation network company must carry at least $1,000,000 in liability coverage. That matters in a T-bone crash, especially in construction season when lane shifts, blocked sight lines, flaggers, or heavy equipment may contribute. Reality: as a passenger, she is rarely the one being blamed. Possible coverage can include: the at-fault driver's liability insurance Uber's $1,000,000 policy while the ride was active possibly uninsured/underinsured motorist coverage if the other driver had too little insurance or fled Arizona's minimum auto liability limits are only $25,000 per person and $50,000 per crash, which is one reason passengers get misled into fast, cheap settlements. If Glendale Police or the Arizona Department of Public Safety responded, get the crash report number. If road work was involved, save photos of cones, temporary striping, lane closures, and signs before they disappear. Also do not get tripped up by a common mover's myth: Arizona does not have PIP like some states. Medical bills do not automatically get paid through a no-fault system. The general Arizona deadline to sue for injury is 2 years under A.R.S. § 12-542. Insurance complaints go to the Arizona Department of Insurance and Financial Institutions.

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The one thing the insurer is hoping you never find out: Arizona is not a no-fault state.

From the insurance company's perspective, they want your sister to think she has to pick one policy, wait quietly, and let the drivers argue over blame. They may act like the Uber driver's personal insurance is the only place to start, or that nothing gets paid until fault is "fully determined."

That is not how this usually works in Arizona.

If your sister was a rideshare passenger in Glendale, she can usually make claims against every available policy that may apply. Under Arizona's rideshare law, when a passenger is in the vehicle, the transportation network company must carry at least $1,000,000 in liability coverage. That matters in a T-bone crash, especially in construction season when lane shifts, blocked sight lines, flaggers, or heavy equipment may contribute.

Reality: as a passenger, she is rarely the one being blamed. Possible coverage can include:

the at-fault driver's liability insurance
Uber's $1,000,000 policy while the ride was active
possibly uninsured/underinsured motorist coverage if the other driver had too little insurance or fled

Arizona's minimum auto liability limits are only $25,000 per person and $50,000 per crash, which is one reason passengers get misled into fast, cheap settlements.

If Glendale Police or the Arizona Department of Public Safety responded, get the crash report number. If road work was involved, save photos of cones, temporary striping, lane closures, and signs before they disappear.

Also do not get tripped up by a common mover's myth: Arizona does not have PIP like some states. Medical bills do not automatically get paid through a no-fault system.

The general Arizona deadline to sue for injury is 2 years under A.R.S. § 12-542. Insurance complaints go to the Arizona Department of Insurance and Financial Institutions.