The property owner or the party in control of the premises is typically responsible. They have a legal duty to keep their property reasonably safe for visitors. This means regularly inspecting for hazards, fixing dangerous conditions, or providing clear warnings. Responsibility is not automatic; it depends on whether the owner knew or should have known about the hazard and failed to take appropriate action to address it within a reasonable time.

Politely but firmly insist on filing one, especially for incidents involving injury, significant property damage, or disputed facts. A simple “exchange of information” is not sufficient for liability claims. If they refuse, ask for the “incident number” or the name and badge number of the officer you spoke with. Document this refusal. Follow up by going to the police station in person to file a report, as a formal record is crucial for dealing with insurance companies.

Standard personal auto policies typically exclude coverage when you are logged into a ride-share app and are available for or transporting a passenger for pay. During this “period of livery,“ you rely on the ride-share company’s commercial policy, which often has significant coverage gaps. Many insurers now offer a specific “ride-share endorsement” or hybrid policy to cover these gaps. Never assume your personal policy covers commercial activities; notify your agent if you drive for a ride-share service to ensure you have proper protection.