Washington state mandates rideshare companies like Uber and Lyft to carry $1 million in insurance coverage for rides.

Multimedia journalist Jaelynn Grisso explains the impacts of that mandate and what you can do if a ride goes awry.

For drivers, their work time is largely split into three parts waiting for a ride, driving to pick up the rider, and the ride itself.

That's also exactly how Washington's 2022 rideshare law breaks up the requirements for insurance.

The requirements are broken into multiple tiers, all based on liability coverage.

$50,000 per person for bodily injury is required for the time before a driver accepts a ride.

Once a ride is accepted, the requirements go up to $1 million for death, personal injury, and property damage.

Both drivers and riders are covered by this policy, which includes when the rider is waiting to be picked up and during the ride.

If something happens and somebody is injured or there's a crash or there's a situation like that, what is there out there right now is something like the insurance that, you know, the commercial insurance for the companies and which also really have some gaps and loopholes.

That is also causing a lot of problems.

Adan said those loopholes often lead to finger pointing among multiple insurance agencies.

So after an incident, the first step is often reporting it to the company and filing an insurance claim.

But as Adan alluded, those cases can be complicated and occasionally end up in court.

All this week, we're bringing you insights into the rideshare industry and its safety.

I'm Paris Jackson.

Thank you for watching The Newsfeed.