Whether utilizing them to get to the airport or as your way home after night of fun, rideshares like Uber or Lyft are a convenient commodity these days. They offer an alternative transportation option, decrease the number of drunk drivers on the road, play a role in relieving traffic, and more. But what would happen if your rideshare driver was involved in an accident while you were in the car? Or what if an Uber/Lyft driver hit you as you were driving? If you are the victim of these unfortunate circumstances and want to recover compensation, there a few things you need to know.
Can You Sue Uber or Lyft if One of Their Drivers Causes an Accident?
Previously, following through with this form of suit proved difficult, as most drivers were seen as independent contractors in order to alleviate any liability from the company. However, now victims can be compensated. Legally, rideshare companies must maintain a certain amount of liability coverage for property damage, death and personal injuries caused by their drivers. So, rideshare passengers can ride knowing they do have some level of coverage being provided to them. Unfortunately, depending on the severity of the accident, that coverage may not be as high as you hoped it would be.
Does the Lyft or Uber Accident Policy Cover My Injuries?
If the rideshare driver has an accident when their rideshare app is off, then the driver’s personal insurance coverage applies. If the accident occurs when their rideshare app is on and awaiting a ride request, the driver has various coverage for property damage, bodily injury to a person, and bodily injury to multiple people. If your accident falls into the second category, your driver will have auto liability and coverage provided to them by the rideshare company they are driving for. The coverage is per crash for injuries and property damage. Contingent collision and comprehensive coverage up to the cash value of the vehicle or repair costs may also apply.
Why do I Need an Attorney for this Type of Accident?
These types of accidents are often complex and dealing directly with the insurance company can sometimes make things worse. Oftentimes, insurance adjusters will try to minimize your claim to save their company money. Here at AP Law Group, we always fight for what is in your best interest. Contact us for a free consultation if you are the victim of a rideshare accident. We have the dedication, experience, and work ethic you need to see rapid results.
