Why passengers hold the cards
Every claim gets discounted by fault arguments — except yours. You didn't pick the speed, the gap, or the glance at the phone; comparative negligence has nowhere to land. That removes the discount machinery entirely, which is why passenger claims resolve closest to full value — when documented like they deserve it.
Your targets, in order
- Your driver erred (Periods 2–3): the $1M commercial policy responds.
- Another driver caused it: their policy is primary, the TNC's UM/UIM tier behind it if they're thin or missing.
- Shared fault: claim against both by percentage — their fight, your recovery.
The tier mechanics live in the coverage-periods guide; as a passenger you mostly need one document — the trip receipt is period-proof.
The five passenger moves
(1) Screenshot everything — receipt, driver, route, times. (2) Report in-app promptly; it creates the TNC's own record. (3) Same-day medical check — passenger adrenaline hides injuries too. (4) Facts to the police report, no recorded statements to anyone's insurer. (5) Decline early releases — with multiple policies in play, one carrier's quick check can strand the rest of your claim.
The liberty-weekend note
Marines and sailors injured as passengers downtown: your civil claim is untouched by your status, base medical counts fully, and the claim runs fine through a deployment. Multi-insurer stalling is where these claims bog — and where representation jumps the queue, because the cleanest claim in the room gets paid fastest when someone's enforcing the order. Whether it ends up in court at all: almost never — here's how they actually resolve.
