Because ridesharing services and car sharing services have become popular in the last few years as many more people are participating in services like Uber, Lyft, Zipcar, and Car2go, so have the frequency of crashes involving these types of services. This is why it is important to know what to do if you are ever in an accident involving an Uber or Lyft driver. For example, who pays? In this article, we will discuss three different scenarios that are possible so we can provide you with the best answer for your situation.
In the first scenario, the accident involves a rideshare driver who is not in service at the time of the accident, and you may want to know if you can claim compensation from Uber or Lyft for your injuries. However, if the driver was not working at the time of the collision, you will have to file a personal injury claim with the driver’s personal insurance or your own insurance company in order to collect compensation.
The second scenario involves a rideshare driver who is working and ready to drive but hasn’t picked up a passenger. For example, drivers who work for Lyft or Uber have to turn “driver mode” on in the phone app when available and waiting for a ride request. If a rideshare driver causes a car or pedestrian accident during this time, more than likely the ridesharing company’s insurance coverage will kick in to pay for property damages and medical bills; however, there are maximum limits under these policies that do not provide enough coverage in the event of injuries.
The third scenario involves a rideshare driver who has accepted a ride request and is transporting a passenger when he or she causes a crash. In this event, the primary liability insurance coverage from Uber and Lyft will generally kick in. Although both of these companies have one million dollar liability insurance policies, getting fair compensation is always difficult because insurance companies are in business to make money and not give money away.
For further help understanding the different insurance coverage scenarios and to make sure you are getting fair compensation after being injured by a rideshare driver, please call us today. You may need to get an attorney involved, and we would be honored to help you.