What the police report says about which driver caused the crash matters, but it is not what decides whether your claim is worth pursuing. For a hurt Uber passenger in Greenville, the blunt answer is yes, it often is worth it if you needed treatment, missed work, or still have pain - because you may have access to multiple insurance policies, and as a passenger you usually are not the one being blamed. The bigger risk is not "too much hassle." It is signing a cheap release fast because an adjuster says this is all the claim is worth before the full medical picture is clear. In South Carolina, the deadline to sue for most injury claims is 3 years from the crash date, and year-end pressure tactics are common when insurers want files closed.

Here is what people get wrong: they think only the at-fault driver's policy matters. In a rideshare case, coverage can be more layered than that.

If the Uber trip was active, Uber's insurance may be in play, often with up to $1 million in liability coverage and uninsured/underinsured motorist coverage during the ride. The Uber driver's own policy may matter too. So may the other driver's policy.

That matters in Greenville crashes on I-385, I-85, Wade Hampton Boulevard, or Woodruff Road, where chain-reaction wrecks are common and one low-limit policy may not cover much by itself.

South Carolina's modified comparative fault rule blocks recovery only if a person is 51% or more at fault. As a passenger, that usually is not the fight. The real fights are over medical proof, preexisting injuries, seatbelt arguments, and whether you settle before doctors know if the injury is temporary or permanent.

A small soft-tissue claim may not be worth months of work. But if there are ER bills, imaging, therapy, lost income, PTSD, or lingering back/neck pain, the "hassle" can be the difference between a token check and full compensation. The Greenville Police Department or SCHP report starts the file; it does not set the value.