How Insurance Works In Rideshare Crash Cases

In a rideshare accident, identifying the applicable insurance policy is key to getting the coverage you need. Companies like Lyft and Uber provide insurance coverage for their drivers, but the coverage varies depending on the driver’s status at the time of the accident.

For example, if the driver was not logged into the app, their personal auto insurance policy would apply. If the driver was logged into the app but had not yet accepted a ride request, the rideshare company’s contingent liability insurance may come into play. This coverage typically includes limited amounts for bodily injury and property damage.

When a driver is actively transporting a passenger or on their way to pick one up, the rideshare company’s full liability insurance is usually in effect. This policy often includes higher limits for bodily injury and property damage, as well as uninsured/underinsured motorist coverage.

Filing A Claim After An Uber Or Lyft Accident

If you were involved in a rideshare accident, filing a claim begins with determining who was at fault. This could be the rideshare driver, another motorist, or a combination of parties. Once fault is established, you can pursue a claim against the appropriate insurance policy.

For passengers injured in a rideshare vehicle, the rideshare company’s insurance typically provides coverage. However, if another driver caused the accident, their insurance policy would be the primary source of compensation. In cases where the at-fault driver lacks sufficient coverage, the rideshare company’s uninsured/underinsured motorist policy may cover the remaining damages.

For rideshare drivers, the process depends on their status at the time of the accident. If they were not using the app, their personal auto insurance applies. If they were logged into the app but waiting for a ride request, the rideshare company’s contingent liability coverage may be available. During active rides, the company’s full coverage is typically in effect.

Types Of Compensation Available

Victims of rideshare accidents may be eligible for various forms of compensation. This includes medical expenses, lost wages, property damage, and pain and suffering. In cases involving severe injuries, compensation for future medical costs and loss of earning capacity may also be available.

Insurance companies often aim to minimize payouts, which is why having legal representation can be beneficial. An experienced Lyft accident lawyer can help evaluate your case and negotiate with insurance companies to seek fair compensation.

The Importance Of Legal Guidance

Rideshare accidents often involve multiple parties and insurance policies, making them more challenging than standard car accidents. Consulting with a car accident attorney can help clarify your legal options and protect your rights. Your lawyer can assist with gathering evidence, identifying liable parties, and negotiating with insurance providers to seek the compensation you deserve.

Our colleagues at Choulos & Tsoi Law Firm have extensive experience handling rideshare accident cases. They understand the unique aspects of these claims and can provide the guidance you need to move forward. Whether you were a passenger, a rideshare driver, or another motorist involved in the accident, having legal support can make a significant difference.

Don’t Hesitate To Seek Help

If you have been injured in a rideshare accident, it’s important to act quickly. Deadlines for filing claims, known as statutes of limitations, vary by state. Failing to file within the required timeframe can prevent you from recovering compensation. By consulting with an attorney soon after the accident, you can understand your options and take the necessary steps to protect your rights.

Whether you were injured in an Uber or Lyft accident, legal professionals can help you navigate the claims process. By understanding the insurance policies involved and pursuing the appropriate avenues for compensation, you can work toward recovering the damages you have the right to receive.