No. If you were an Uber passenger when the crash happened, Uber coverage can still apply even if the grain truck or another vehicle caused it.

South Dakota is an at-fault state, so the first question is who caused the wreck. If a grain truck pulled out, crossed center, dropped debris, or was poorly lit during harvest traffic near Watertown, that truck's liability insurance is usually the main policy. But as a passenger, you can often make a claim against more than one policy while fault gets sorted out.

If your Uber ride was active, Uber generally carries third-party liability coverage for passengers during the trip. That matters when the Uber driver was partly at fault, fault is disputed, or the grain truck's insurance is too small to cover the injuries.

What usually matters most is:

• whether the trip was accepted and in progress
• whether the Uber driver did anything negligent
• whether the grain truck driver or farm vehicle operator caused the crash
• whether there were other factors like poor lighting, no reflective markings, or unsafe passing on a rural highway

In a Watertown-area crash, the report may come from the Codington County Sheriff's Office, Watertown Police Department, or the South Dakota Highway Patrol. Get that report number fast, because it helps identify all drivers, owners, and insurers.

Keep your Uber trip screenshot, medical records, photos, and any messages from the app. If the crash happened on a rural road and symptoms got worse later, that does not automatically kill the claim. South Dakota's deadline to file most personal injury lawsuits is 3 years from the crash date.

So the myth is wrong: being "just the passenger" does not mean Uber is off the hook. It usually means several insurers may be involved, and they may each try to point at the others.