For those who don’t have cars, rideshare services by Uber and Lyft offer a fast and convenient alternative to public transportation. Unfortunately, rideshare services are not immune to accidents, as crashes involving rideshare drivers often result in catastrophic injuries and even deaths on highways.
Furthermore, the legal ramifications of such accidents can be quite complicated to navigate–especially if you’re a passenger.
With Uber and Lyft accidents resulting in an average of about 100 fatalities and hundreds of serious injuries each year, victims and survivors of rideshare accidents require reliable legal representation and financial compensation. Suppose you find yourself involved in a rideshare accident.
In that case, hiring a skilled rideshare accident lawyer is crucial to guide you through the intricate legal landscape and ensure you receive the compensation you deserve.
Who Is Covered By Uber And Lyft?
Rideshare services provide liability insurance to cover their passengers in the event of an accident, up to $1 million. However, these coverage options come with significant conditions.
The rideshare driver must have liability insurance, be at fault for the accident, and possess an auto liability policy that reaches its limit before the rideshare insurance coverage can be utilized.
Rideshare companies are also obligated to carry commercial auto insurance to safeguard their passengers in case of an accident. The coverage varies depending on the specific task of the rideshare driver during the crash. Here are a few examples concerning Uber drivers:
- The uber driver’s auto insurance coverage applies when the driver app is off.
- When the uber driver is available or waiting for a ride request, and their auto insurance is not applicable, the rideshare company provides third-party liability coverage of $50,000 bodily injury per person, $100,000 bodily injury per accident, and $25,000 property damage per accident.
- When the uber driver is en route to pick up a passenger or during a trip, the rideshare company provides $1 million in third-party liability coverage.
Additionally, Uber offers up to $1 million in uninsured/underinsured motorist coverage in the event of an accident that occurs while their driver is transporting a passenger, in cases of hit-and-run accidents, if the at-fault driver lacks auto insurance, or if the at-fault driver’s insurance policy limit is insufficient to cover the victim’s injuries.
Understanding Your Rights As A Passenger In A Rideshare Accident
Suppose you sustain injuries as a passenger in a rideshare accident. In that case, you possess the legal right to seek compensation for your injuries or damages from the party at fault for the accident.
Whether it was the Uber or Lyft driver you were riding with or another driver who caused the accident, you are entitled to claim damages. These damages may include medical expenses, lost earnings, pain, and suffering, loss of future earning potential, and other losses.
Furthermore, if both your rideshare driver and the other driver share fault for the accident that caused your injuries, you have the right to seek compensation from both parties.
Steps To Take After A Rideshare Accident
Following a rideshare accident, the priority is to seek medical attention for your injuries. Call an ambulance to attend to your injuries and proceed to the hospital immediately. Additionally, contact 911 to notify the police about the accident.
They will arrive at the scene, write a report, and this report is crucial when filing your insurance claim. Moreover, the police will protect your legal rights and prevent false claims by the at-fault driver.
Once you have contacted the police and ensure your safety, obtain the driver’s information. Gather essential details such as the driver’s name, telephone number, insurance company, policy numbers, car model, license plate number, and registration number.
Most importantly, consult an experienced car accident lawyer to assist you in pursuing your claim. Share as many details of the accident as possible with your attorney, including whether the rideshare driver adhered to traffic rules and drove safely before the crash.
Working With A Lawyer Specializing In Rideshare Accidents
Collisions involving Lyft and Uber rideshare services require unique legal skills and experience. Working with an attorney who can help you identify sources of insurance coverage and monetary compensation in rideshare accidents is crucial.
They will explore all available payment sources to ensure you receive the financial resources necessary to cover your medical bills, lost wages, and pain and suffering.
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