What Should I Do if I’m in an Accident With a Rideshare Driver?
Understanding Rideshare Accidents: What You Need to Know
Rideshare services like Uber and Lyft have revolutionized transportation in America, offering convenient, on-demand travel. But while these services make getting from point A to point B easier, they don’t necessarily make the roads safer for passengers or drivers.
If you’re ever involved in an accident while using a rideshare service, what are your rights, and how does insurance factor in?
What Is a Rideshare Company?
Rideshare companies connect drivers and passengers through mobile apps, providing an alternative to traditional taxis. A rider requests a ride via the app, and a nearby driver accepts, picking them up and transporting them to their destination. The ease and personalization of this service make it a popular choice for many.
Insurance and Rideshare Accidents: What You Should Know
Drivers working for Uber, Lyft, and similar companies are typically covered by both their personal insurance and the rideshare company’s insurance, but the extent of coverage depends on the driver’s status at the time of the accident. Here’s a quick breakdown of how insurance coverage works in different scenarios:
- Driver Off-Duty (App Off): The driver’s personal insurance covers any accident.
- Driver On-Duty (App On, No Passenger): Coverage includes $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.
- Driver En Route or With Passenger: Uber or Lyft’s insurance offers up to $1 million in third-party liability coverage, along with contingent collision and comprehensive insurance with a $2,500 deductible.
For victims of a rideshare accident, determining which insurance applies and when can be a complicated and time-consuming process.
Examples of Rideshare Accident Scenarios
Here are a few common examples of how rideshare accident insurance coverage might apply:
- Scenario 1: A rideshare driver without the app running rear-ends another vehicle. In this case, the driver’s personal insurance should cover the damages.
- Scenario 2: A passenger in an Uber is injured in an accident caused by the Uber driver. The rideshare company’s $1 million insurance policy would apply to cover the passenger’s injuries.
- Scenario 3: A pedestrian is hit by a rideshare driver who’s waiting for a ride request. In this case, the driver’s insurance may provide up to $50,000 in medical coverage.
Steps to Take After a Rideshare Accident
Your immediate priority after an accident is your safety. Once you’ve ensured you’re in a safe location, follow these steps:
- Call 911 if anyone is injured.
- Exchange contact and insurance information with the rideshare driver, any other drivers, and witnesses.
- File a police report and offer your eyewitness account.
- Contact an experienced attorney to review your case and help protect your rights.
Can You Sue a Rideshare Company?
While it’s possible to sue Uber, Lyft, or similar companies, these companies may attempt to distance themselves from the driver by arguing that drivers are independent contractors, not employees. That said, laws are evolving, and some circumstances may allow for legal action against rideshare companies in the future.
Speaking with an attorney can help clarify your options and determine the best course of action based on the specifics of your case.
After the Accident: What’s Next?
Rideshare accidents often involve layers of liability and complex insurance issues. For many victims, navigating this legal maze without guidance is overwhelming.
We specialize in handling rideshare accident cases, helping you recover compensation for your injuries. Our team of experienced attorneys will guide you through every step of the process, ensuring that your rights are protected.
