Uber & Lyft Accident Attorneys

If you have been injured in an Uber or Lyft accident, it is imperative that you immediately seek the advice of a qualified personal injury attorney who knows the law and has the ability to secure the compensation you deserve.  The consequences of injuries can be overwhelming: pain, suffering, medical treatment and loss of work. 

Uber & Lyft Accidents

Increasingly people are using rideshare companies like Uber and Lyft for commuting to their workplace and elsewhere. The passenger should be aware that in case of an uber driver accident, they are eligible for compensation. Both Lyft and Uber have similar insurance policies for accidents involving their drivers or passengers. The insurance coverage for third party liability covers up to $1 million for property damage, personal injuries for each accident. However, this policy will be only applicable, after the driver’s own insurance is used.

The rideshare companies Uber, Lyft have made it mandatory for all their drivers to have their own insurance policy. Hence the passenger is also covered under the insurance, when the ride-share driver has made a mistake resulting in the accident. When a ride share passenger is involved in an accident, he will contact his rideshare lawyers to get the compensation he is eligible for. The passenger should be aware that in case of an Uber or Lyft accident, both companies offer insurance coverage for the rideshare drivers. The policies adopted by both the companies are very similar and coverage will vary depending on when exactly the accident occurred.

Uber & Lyft Accident - Windsor Troy Employment Lawyers

Insurance coverage offered by the rideshare companies is classified into:

  • In case the driver is not using the Uber/Lyft app and is involved in an accident, the rideshare companies do not provide any kind of coverage
  • If the driver has logged into the Uber/Lyft app, yet has not accepted any request for a ride, Uber/Lyft will provide insurance coverage for any accident in which the driver was at fault. The insurance coverage is $25,000 for property damage, $50,000 for every person injured up to a maximum of $100,000 injury compensation for each accident.
  • If the rideshare driver is on his way to pick up a passenger after accepting a trip, the coverage will increase to a maximum of $1 million
  • If the passenger is in the car, for the period till he is dropped off. In addition to limited insurance coverage for damage caused to the car of the driver and coverage for uninsured motorists, the liability coverage is limited to $1 million

There are three options available to a passenger to get insurance coverage if you have been injured while riding with an Uber/Lyft driver. While each Uber/Lyft driver has his own insurance policy, this is rarely used by the injured passenger. Most of the rideshare drivers do not have an insurance policy for commercial applications. They also do not have a provision in their personal policy for car insurance to cover the injuries which their passengers will suffer from, when the driver is working with rideshare companies like Uber/Lyft.

 

If the rideshare driver was not at fault and the accident was caused by some other driver, the passenger may be able to access their policy to get compensation for the injuries. The passenger can file a third-party insurance claim with the at-fault driver’s insurance company. If the driver is not willing to pay compensation, a personal injury lawsuit can be filed. This is usually enough to get compensation, if the accident and injuries to the passenger are not serious, and if the driver responsible for the accident has enough insurance coverage.

 

However, if an Uber/Lyft passenger is involved in any serious accident when in the car driven by a Uber/Lyft driver, the passenger will have to make an insurance claim against the third party liability insurance of the ride sharing company. For any accident, the rideshare companies Uber/Lyft are providing a compensation of up to $1 million for injuries and damage to property. They provide the coverage using their underinsured or uninsured insurance coverage. However, the Uber/Lyft coverage becomes applicable only if the personal insurance of the rideshare driver is exhausted.

 

The passenger who is making an insurance claim with the rideshare companies insurance coverage will have to prove that the driver who was responsible for the particular accident, did not have adequate insurance, the insurance was not enough to compensate the passenger for the injuries caused by the accident or the driver could not be identified.

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