In many Fraser cases, the challenge isn’t proving an accident happened—it’s proving how it happened and who pays. Rideshare situations can create confusion around:
- Whether the driver was on an active trip or between assignments
- Whether the rider was treated as a “passenger” for coverage purposes
- Whether another motorist’s policy should respond
- Whether a claim turns into a dispute about timing (“when” the trip stage changed)
Even minor differences in the timeline can affect what coverage is available and how quickly insurers move.


