Rideshare Crash Attorney
Have you ever wondered what happens if your rideshare or taxi driver gets into an crash while you’re riding with them? With rideshare services like Ubers, and Lyfts exploding over the last few years, crashes are also bound to happen.
When a rideshare drivers picks you up, they carry their own car insurance plus liability coverage from Uber or Lyft. When the drivers do have passengers in their cars, they are covered by a $1 million liability policy and an additional $1 million uninsured motorist policy.
While this may seem like you’d be covered in an crash, it’s worth noting that Uber and Lyft drivers are considered independent contractors. An independent contractor means that the drivers are not technically employees of these companies, and as such, Uber and Lyft may deny responsibility for crashs that are caused by the drivers. Because of this, receiving the compensation you deserve can be difficult without the help of an experienced Rideshare crash lawyer.
Things can get complicated quickly when you are an Uber car crash passenger or if you were hit by an Uber driver. That’s why if you are injured in a car crash caused by an Uber or Lyft driver, you need to seek legal help immediately.
What if my Uber Driver Crashes While I’m a Passenger?
If you are in a crash while a passenger in your Uber or Lyft and do not suffer any injuries, you may not think you need legal advice. However, you could be asked to give your recount of what happened. An experienced rideshare crash attorney can help you if you’re called for a statement.
If you are injured in an rideshare crash as a passenger because of the Uber driver or another reckless driver, you are covered up to $1 million. In order to receive more than $1 million as a settlement, you would have to file a claim against the negligent driver or company. We can help if you have a rideshare claim or questions.
What if an Uber Driver Hit My Car?
In the event that an Uber driver hits your car, the crash may be treated as a regular car crash. If this occurs, you should make sure everyone in the crash is okay, get medical help, exchange personal information, and take notes and photos to submit to insurance companies.
If the Uber driver hits you while you are a pedestrian or are in another vehicle, Uber would be liable if the driver was currently working and/or taking a passenger on a trip. The $1 million coverage policy applies in this situation.
In the event that the Uber driver who hit you was off duty, their personal insurance plan would come into play. Contingent liability coverage may apply here as well.
Uber’s Insurance Policy and Lawsuits
If you were injured while riding in an Uber due to your Uber driver’s recklessness, you can file a lawsuit and could be eligible for compensation. Uber has liability coverage of $1 million that will cover their drivers if they are on their way to pick up a passenger or in the middle of the passenger’s Uber ride. But, Uber states they are not responsible for their drivers outside of these limits and that they are considered independent contractors. You may have to file a claim with the driver’s personal insurance to receive additional compensation as well. Uber’s insurance policy consists of the following:
- Third Party Liability Coverage – This liability coverage covers up to $1 million in property damage, pedestrian injury, and any other third party damages or injuries caused.
- Uninsured or underinsured motorist bodily injury coverage – This policy covers up to $1 million in bodily injuries because of an crash due to an uninsured or underinsured driver’s negligence. This also applies to hit and run cases.
- Contingent collision and comprehensive coverage – This coverage will cover your vehicle if you have collision coverage. This type of coverage covers up to how much your car is worth.
Lyft’s Insurance Policy and Lawsuits
Lyft also has an insurance coverage of up to $1 million for Lyft driver car crashs. Like Uber, your Lyft ride is covered from the time that you request your ride until you are dropped off. During this time, Lyft’s insurance policy covers the following:
- Contingent Liability – This is applicable only when you are waiting for your ride. Lyft’s contingent liability can cover up to $50,000 per person, $100,000 per crash. and up to $25,000 for property damage. This policy is applicable when the driver’s “driver mode” is on.
- Primary Automobile Liability – This is covered up to $1 million.
- Contingent Comprehensive and Collision – This policy provides coverage to damages to your car in an crash or non-collision events such as a fire, inclement weather, etc. There is a $2,500 deductible, and you are eligible for this policy as long as you have comprehensive and collision coverage on your personal policy. In addition, this coverage will match either how much your car is worth or the cost of reparation.
- Uninsured/Underinsured Motorist – If your Lyft driver is in an crash because of an uninsured or underinsured motorist, then Lyft’s $1 million policy will come into play.