Guide
What to do at the scene of a for-hire crash
Ordinary crash advice tells you to exchange insurance and take photos. In a for-hire crash there are several additional items, and missing them can cost you access to the larger policy entirely.
Published July 27, 2026 · Last reviewed July 30, 2026
In priority order
If you can only do a few things, do them in this order.
- Get medical attention if there's any question. Nothing else matters as much
- Screenshot the app — trip record, driver, vehicle, timestamps, route — before you do anything else if you were a passenger
- Photograph the plate, then the medallion or livery number, then any company markings
- Call the police and make sure a report is generated. Tell the officer it's a for-hire vehicle so it goes in the report
- Photograph both vehicles, their positions, the damage, the road, signals, and skid marks
- Get the driver's name, license, insurance card, and for-hire license number
- Ask the driver directly whether the app was on and whether they had a passenger. Write down their answer verbatim
- Get contact details for every passenger and witness. Passengers are neutral and hold app records
- Note any cameras — dashcams in the vehicle, businesses, traffic cameras, doorbells
- Report it through the app if applicable, and keep the confirmation
What not to do
Don't apologize or discuss fault. Don't accept a cash offer to skip reporting. Don't give a recorded statement to any insurer before you understand your injuries. Don't sign anything with the word release on it. And don't post about it.
The next few days
Get the police report number and then the report itself. Keep every medical record and bill. Write down your account while it's fresh, including what the driver said. Get the app receipt emailed to yourself so it exists outside the app.
If there was dashcam or nearby camera footage, that's the urgent item — most systems overwrite within days to weeks, and a preservation request has to go out before then.
Questions
I didn't get any of this. Is my claim dead?
No. Police reports, licensing records, platform data, and dispatch logs all exist independently of what you gathered. It's harder and slower, not impossible. Provide what you do have — a receipt, a card charge, an approximate time and location — and it can usually be reconstructed.
The police didn't come.
File a report yourself as soon as possible — most jurisdictions allow a driver or party to file after the fact, and many require it above a damage threshold. A contemporaneous report is a meaningful piece of evidence.
Should I talk to the other insurer?
You'll need to report the claim. What you don't need to do is give a recorded statement, and it's generally worth having someone review your situation first. Early statements are taken before you know the extent of your injuries, and offhand answers get used later.
Situations this applies to

I was a passenger
You're almost certainly not at fault. The work is finding the coverage.
Read this
A taxi or rideshare hit me
Often more coverage available than an ordinary crash — if you can identify the vehicle.
Read this
It was an Uber or Lyft
Four coverage states. The one that applied at impact decides the claim's ceiling.
Read this
I drive and I was hurt
Classification decides whether comp applies — and it's not decided by your 1099.
Read thisRelated guides
Finding the policy
Layered coverage means a denial from one insurer isn't the end.
Read thisThe deadlines
Years for the lawsuit. Weeks for PIP, camera footage, and government notice.
Read thisWhat these claims are worth
Coverage is usually the real ceiling. Higher commercial limits change everything.
Read thisEvidence and research resources
See all resourcesEvidence checklist
The records, objects, photographs, and timelines worth preserving now.
Read thisPlain-language glossary
Medical, insurance, safety, and legal terms explained without the jargon.
Read thisOfficial sources
The government, court, safety, and medical sources used to check this site.
Read thisGet a straight answer about your case
Reading only gets you so far. A free review puts your actual facts in front of an attorney who handles these claims.
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