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If you're injured in a car accident as either a passenger of or a driver for a ride-hailing company like Uber or Lyft, you may wonder how your claim will differ from that of a normal vehicle wreck. Overall, the process is a lot like a normal car accident. First and most importantly, you’ll want to seek medical care if needed. If possible, you will want to be sure to get information on the other driver, a crash report, and any pertinent information from the police. Taking photos of the accident and both vehicles can also help support your case. In addition, don’t make any statements to the insurance companies without first consulting an attorney. This can prevent any common mistakes that could jeopardize your claim.
Where Uber and Lyft Accidents Differ
Where Uber and Lyft car accidents differ from normal car accidents is the source of recovery. Lyft and Uber require their drivers to be covered under a commercial insurance policy. Typically, if your driver app is on, you will be covered under the insurance policy of your rideshare company. However, the amount of coverage you are eligible for will be determined by whether you were a driver searching for a passenger or actively engaged in an Uber and Lyft ride either as a driver or passenger.
On an active ride, both the driver and passenger are often protected under a $1 million commercial insurance policy. If you are a passenger and your rideshare driver causes the accident, you are protected under this policy. If an outside driver caused the wreck, typically their insurance will pay for the damages. If the insurance coverage of the at-fault driver is inadequate, the rideshare company’s underinsured motorist coverage will kick in.
If you are an Uber or Lyft driver and get into an accident while your app is on and you are searching for a passenger, you are usually covered under a liability insurance policy for a lesser amount. Typically, this will be up to $50,000. Most of the time, you will only be eligible for the $1 million in coverage if you are on an active job. If your app is off, your car accident will be covered under your personal insurance as normal. Each insurance company handles how they deal with drivers who are using their personal vehicle for ridesharing in different manners. Be sure to check your personal insurance policy to see if your policy allows your vehicle to be used in the ridesharing business.
Our Uber and Lyft Car Accident Attorneys Can Help
Before you become a passenger or driver for a rideshare company, it is recommended you check their website to make sure they are properly insured. If you were in an Uber or Lyft accident and need help recovering for medical expenses, lost time at work, or other damages, contact an Uber accident attorney for help. Our Uber and Lyft accident lawyers have experience negotiating and standing up to the insurance companies and can help ensure you get the compensation you are entitled to after an accident.
Call the rideshare car accident attorneys of Zinda Law Group at 800-863-5312 today to get started with a free attorney consultation. Our rideshare accident lawyers can help determine if you have a claim, answer any questions you may have, and protect your legal rights after an Uber or Lyft accident.