Let’s face it, getting into a car accident is an inconvenience. Not only do we need to deal with car damage and potential injuries on the day, but it can be a process that drags on for weeks and even months. When you aren’t even behind the wheel, this can get even more confusing (and frustrating!).
Today, we want to talk about what happens when you’re in an Uber accident or a Lyft accident. While these apps are brilliant for getting around town quickly, there seem to be lots of confusion about what happens after an Uber accident or a Lyft accident. Will you be entitled to compensation? What if the driver is responsible for the collision?
Professional Assistance with The Injury Firm
First things first, we urge you to get in touch with our brilliant team of lawyers if you’ve been involved in an Uber or Lyft accident. Since each case is unique and the whole area of law governing Lyft and Uber accidents is relatively new, you need somebody on your side who understands the law, will fight for compensation, and builds a strong claim while you focus on recovery.
With every month that passes, our experience with ride-sharing apps increases. Now, the team is experienced in dealing with Uber and Lyft liability. They know what to do, what to avoid, and how to build a case while protecting the client. What’s more, it all starts with a free consultation.
Which Insurance Policy Applies?
With ride-sharing services differing with their policies and drivers sometimes acting as independent contractors as opposed to employees, accidents such as these are more than just your average fender bender.
For the majority of drivers, they’re covered by commercial insurance as well as personal auto liability insurance. Which one is pertinent to your case? This depends on the status and activity of your driver at the time of the incident.
If you were in another car and the driver was using the vehicle for personal reasons, it will be their personal auto liability insurance that applies to your collision. If they’re transporting a passenger and getting paid at the same time, the personal auto insurance will not provide coverage.
If you’re a passenger in the Lyft or Uber, their insurance coverage activates as soon as you get into the car and remains so until you’re dropped off. If you get injured during this time, both apps offer liability protection of up to $1 million.
What if you’re injured by an uninsured driver as a passenger? Lyft and Uber both have provisions for this; called ‘uninsured motorist insurance protection’, those who are injured as a result of underinsured or uninsured drivers will have coverage.
Just to keep things even more confusing, the situation changes again if the driver is actively working but isn’t getting paid for a ride. Especially when the driver is working on more than one ride-sharing app at once, the situation can be difficult. For Uber, they offer third-party liability insurance for accidents between trips. Up to a total of $100,000 per accident, each individual is covered for bodily injuries up to $50,000.
Unfortunately, accessing this insurance can be a little tricky because this coverage only springs into action when the personal insurance doesn’t offer benefits. Although we’ve thrown lots of information your way already, there are some forms of insurance that cover drivers from the moment they turn on the app to the moment they accept a ride so it’s important to check the extent to which the driver is covered.
Choose a Professional or Go It Alone?
You can take on the claim or car accident case by yourself, and plenty have done this before you. However, with the rules and regulations so confusing at the moment, we highly recommend working with a professional (such as those at The Injury Firm!).
Whether an accident in or with an Uber taxi or a Lyft taxi, your personal injury lawyer will work on your behalf. If you’re injured, this allows you to concentrate on getting the care you need rather than communicating with insurance companies. Suddenly, our experienced team will compile all the information and evidence for your claim. If the insurance company is refusing to offer a fair payment, our resources will come in handy in taking the case before a judge. All the while, you still don’t have to worry about doing anything too strenuous.
At The Injury Firm, we have a dedicated team of car accident lawyers who have adapted brilliantly to this new area of law. We understand how stressful car accidents can be whether you’re a passenger in an Uber taxi or hit by one. Especially when you’re unable to work, your family is forced to deal with reduced income and lots of new costs.
Don’t go through this alone when you can have specialists working on your case!