Exclusive or shared: how to sell rideshare accident leads
An exclusive rideshare accident lead goes to one buyer; a shared lead goes to several. Most rideshare buyers prefer exclusive, because the claimant usually does not know which insurer applies and the first firm to explain it tends to keep the case. Summit Leads sells MVA leads, rideshare included, exclusive by default and shared only on request.
The choice depends less on price than on two fields most forms skip: what the driver was doing in the app, and who the claimant was in the crash.
The app status question comes before the exclusivity question
A rideshare crash can fall under the driver's own policy or under coverage the transportation network company (TNC) has to carry, depending on what the driver was doing in the app. The NCOIL model act and Texas Insurance Code Chapter 1954 set it out in stages, and other states have their own versions. The table shows the stages and what to record on the lead.
| Driver's app status | Coverage that applies | What to record on the lead |
|---|---|---|
| App off | The driver's own policy, as for any car accident. | That the other vehicle was a rideshare car, and whether the claimant knows the app was off. |
| Logged on, waiting for a request | TNC coverage at the model act and Texas minimums of $50,000 / $100,000 / $25,000, or the state's own rule. | Whether the driver was waiting for a ride, if the claimant knows. |
| On a prearranged ride (from accepting a request until the passenger leaves) | TNC coverage of at least $1,000,000 under the model act and Texas law, or the state's own rule. | Whether a passenger was in the car or being picked up, and who the claimant was. |
| Not known | Unclear until the firm requests the trip records. | "Not known". Never guess the status to make a lead look stronger. |
A lead that records the status, even as "not known", lets a buyer judge it on arrival. That matters whether you sell it to one buyer or several. This is general information, not legal advice.
Why a confused claimant pushes buyers toward exclusive
Most people hit by a rideshare car know who hit them but not which insurer to call. They may hear from more than one claims team. The firm's first job is to explain where the claim belongs and to ask for the trip records that show the app status.
That first conversation takes time. When several firms call the same person about the same crash, each call gets shorter and the claimant hears a sales pitch rather than an explanation. That is the main reason rideshare buyers ask for sole access, and why exclusive is Summit's default for these leads.
Who was hurt changes the answer
A rideshare crash has more possible claimants than an ordinary one, and buyers screen them differently:
- The passenger. Often the clearest claim, since a passenger is rarely at fault. Many buyers want these exclusive.
- The driver or occupant of the other car. Fault matters, as in any car accident, along with the app status.
- The rideshare driver. Some buyers take these and some do not. Ask before you send them.
- A pedestrian or cyclist. Screened on injury and fault like other cases, with the app status added.
Capture the role as its own field. A role a buyer does not take is a returnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary whether the lead was exclusive or shared.
When a shared rideshare lead still makes sense
- No exclusive buyer covers the state. Shared delivery can place leads that would otherwise go unsold.
- The buyer asks for shared. Some buyers prefer shared leads. Agree it during onboarding.
- The lead is thin. A lead with no app status and an unclear role may suit buyers that do their own screening. Say what is missing.
Keep the number of buyers on a shared lead to what you agreed, and match shared leads to buyers that handle rideshare claims, not every car accident buyer.
Labelling what you sell, and keeping to it
- Mark every lead exclusive or shared when it is sent, not afterwards.
- Do not resell an exclusive leadExclusive leadA lead delivered to one buyer and not resold to others. Glossary to a second buyer, including as an aged lead, unless the first buyer has agreed to it.
- Keep the consent record with every lead: the opt-in text, timestamp, IP address and page URL.
- Report the app status and role as the claimant gave them. Do not upgrade "not known".
How Summit handles rideshare exclusivity
Rideshare leads are MVA leads at Summit: exclusive by default, shared only on request. They are web form leads, delivered by real-time ping/postPing/postA real-time selling method in which a lead is pinged to buyers with partial data, buyers bid, and the winning bidder receives the full lead by post. Glossary with a TCPA consent record on each one. Rates are discussed on a call; exclusivity and return terms are agreed during onboarding, before any volume is sent. Our team has 7 years of combined experience in lead generation.
For what moves a rideshare lead's value beyond exclusivity, see what rideshare accident leads are worth.
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Rideshare exclusivity: questions
Should rideshare accident leads be sold exclusive or shared?
Exclusive is the usual choice. Rideshare claims involve more than one insurer, and the claimant often does not know which one applies, so buyers want to be the only firm guiding them. Shared can still work when no exclusive buyer covers the state or the buyer asks for it, as long as every lead is labelled shared.
Why does the driver's app status matter so much?
It decides which coverage applies. Under the NCOIL model act and Texas Insurance Code Chapter 1954, a driver who is logged on and waiting for a request must be covered for at least $50,000 per person, $100,000 per incident and $25,000 for property damage, and a driver on a prearranged ride must be covered for at least $1,000,000. Each state sets its own rules, so record what the claimant knows and let the buyer work out the rest.
Does it matter whether the claimant was the passenger, the other driver or the rideshare driver?
Yes. Buyers screen these roles differently, and some take only certain ones. Capture the claimant's role as its own field so each lead reaches a buyer that takes it, whether you sell exclusive or shared.
Can I sell a lead exclusive to one buyer and later offer it shared?
Not without the first buyer's agreement. A lead sold as exclusive stays with that buyer. Mark the status on every lead when it is sent, and keep to the terms agreed during onboarding.
How does Summit sell rideshare accident leads?
Rideshare leads are MVA leads at Summit, so they are exclusive by default and shared only on request. Each lead is a web form lead delivered by real-time ping/post with a TCPA consent record. Rates are discussed on a call, and return terms are agreed during onboarding.
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