Ridesharing services have revolutionized the way we travel, offering convenience and affordability to millions of passengers worldwide. However, with the increasing popularity of platforms like Uber, Lyft, and others, the frequency of accidents involving rideshare vehicles has also risen.
Navigating the legal aftermath of an Uber or Lyft accident can be complex and daunting. Due to the nature of how ridesharing services work, these accidents often involve multiple parties, insurance companies, and intricate regulations. Whether you are a passenger, pedestrian, or another motorist involved in an accident, understanding your rights and knowing how to protect them is of paramount importance. Personal injury lawyers are able to help with this.
Which Driver’s Insurance Policy Covers an Uber or Lyft Accident?
The best answer is, “it depends.” The insurance coverage for a rideshare accident typically depends on the specific circumstances of the accident and the phase of the rideshare trip. Rideshare companies like Uber and Lyft provide coverage, but the extent and type of coverage can vary during different phases of the trip:
Who Provides Coverage for an Uber or Lyft Accident When….
The App is Off? If the uber or lyft driver is not connected to the app and they are not actively working, the driver’s insurance is in effect, just like any other private vehicle. In the event of an accident during this phase, the driver’s auto insurance policy would typically apply.
Is The Driver Available? When the rideshare driver has turned on the app and is available to accept rides but hasn’t accepted a ride request yet, the rideshare companies usually provide limited liability coverage. This coverage typically includes liability for bodily injury and property damage but may have lower coverage limits compared to the coverage provided during an active ride.
The Driver is En Route to Pick Up a Passenger? Once a driver has accepted a ride request and is en route to pick up the passenger, the rideshare company’s coverage generally becomes more comprehensive. It typically covers liability for bodily injury and property damage, as well as uninsured/underinsured motorist coverage. The coverage limits during this phase are typically higher than when the driver is simply available.
There is a Passenger in the Vehicle? When the rideshare driver has a passenger in the vehicle, the rideshare company typically provides its highest level of coverage. This coverage for an Uber or Lyft accident in this stage includes liability for bodily injury and property damage, as well as additional coverages like medical payments and contingent comprehensive and collision coverage for the driver’s vehicle.
That being said, insurance claims involving an Uber or Lyft accident can be complex, even if it’s clear who was at fault. It’s incredibly beneficial to consult with a qualified personal injury attorney who specializes in car accident cases to ensure you receive the appropriate compensation and navigate any legal complexities.
Are Rideshare Drivers Independent Contractors?
After rideshare accidents, this is an important question. Rideshare drivers are typically classified as independent contractors rather than employees by rideshare companies like Uber and Lyft. This classification means that drivers are considered self-employed individuals who provide services to the rideshare platform. As independent contractors, drivers have greater flexibility in choosing their working hours and locations, and Uber and Lyft have less legal responsibility if something bad happens, like a car accident.
Can an Accident Victim Sue Rideshare Companies?
Rideshare accident victims can sue companies like Uber and Lyft under certain circumstances. If you’ve been involved in a rideshare accident and believe the rideshare driver’s actions or the company’s negligence contributed to the accident, you may have grounds to pursue a legal claim against the rideshare company.
Here are some key points to consider in Uber and Lyft accidents:
Driver’s Liability: In most cases, the first step in pursuing a claim for a rideshare accident is to determine whether the rideshare driver was at fault for the accident. If the driver’s negligence, recklessness, or misconduct caused the accident, you may have a valid personal injury claim against the driver.
Rideshare Company’s Liability: In some situations, you may be able to hold the rideshare company itself liable for the accident. This could occur if the company’s policies, procedures, or technology played a role in the accident. For example, if the company failed to adequately screen its drivers, failed to properly maintain its vehicles, or if the rideshare app’s design contributed to distracted driving, the rideshare company might be held partially responsible.
Insurance Coverage: As mentioned above, rideshare companies typically provide coverage for accidents involving their drivers. The extent of coverage may vary depending on the phase of the ride and the specific circumstances of the accident. If the driver was at fault and was actively working for the rideshare company at the time of the accident, you may be able to seek compensation from the rideshare company’s insurance policy.
Find a Lyft and Uber Accident Attorney From 1-800-Injured
These car accidents lead to high medical bills and lost wages just like any other type of car crash, whether or not rideshare services are involved. If you’ve been injured in a rideshare accident, whether you were in the vehicle or in another car, you deserve fair compensation for your pain and suffering. First after a car accident, seek medical attention. Then, let us help you get a fair settlement. 1-800-Injured is a medical and legal referral service who makes it possible to find the right professionals to make this possible after Uber or Lyft accidents. Begin your journey towards peace of mind today.