In this episode, Hovhanes and Gohar Tatevossian from HHT Law law firm in San Fernando Valley, California examines the complex legal framework governing rideshare insurance in California. We break down the three distinct coverage periods established by Public Utilities Code Section 5433, the impact of Assembly Bill 2293, and how the $1 million liability limits protect you during an Uber or Lyft ride.

Hovhanes and Gohar Tatevossian are leading personal injury attorneys in the San Fernando Valley, specializing in complex motor vehicle and rideshare accident litigation since 2013.

Content Disclaimer: This podcast is an audio version of a blog post written by Hovhanes and Gohar Tatevossian.

Key topics covered in this episode:

• The Three Periods of Coverage: How insurance limits change from the moment you turn on the app to the moment a passenger exits.
• Assembly Bill 2293: The foundation of California’s "personal insurance firewall" between private and commercial use.
• The $1 Million Policy: Understanding liability and Uninsured/Underinsured Motorist protection during active rides.
• Rideshare Endorsements: Why your personal auto policy might deny your claim without the right add-on.
• Proposition 22 & Liability: Why holding rideshare companies vicariously liable is difficult and how insurance fills that gap.
• Immediate Steps After a Crash: What evidence to collect specifically from a rideshare interface.

Whether you are a driver looking to stay compliant or a passenger injured in an accident, this episode provides the clarity needed to navigate the intersection of technology and insurance law.

This podcast is for informational purposes only and doesn't constitute legal advice, and no attorney-client relationship is formed by listening to this segment. Please consult with an attorney for specific legal advice.