If the driver was on the clock—meaning they were either driving to pick up a passenger or had a passenger in the car—the rideshare company’s insurance should cover it.
In simple terms – that is the window of time you have to file a personal injury claim. The clock starts ticking as soon as the accident happens – and it can range from 1-3 years, depending on where you are.
In that case – you might need to look to the other driver’s insurance for compensation. If they are uninsured or underinsured – then your own insurance might cover the damages.