How to Handle an Uber or Lyft Accident Claim
Rideshare accidents, including those involving Uber or Lyft drivers, can be complicated. The legal issues involved in these types of accidents differ from regular car accidents because multiple insurance policies may come into play. This article explains the steps you should take if you are involved in an Uber or Lyft accident and how to navigate the claims process to recover compensation for your injuries.
Steps to Take After an Uber or Lyft Accident
1. Seek Medical Attention
As with any accident, your health should be your first priority. Seek medical attention immediately, even if you don’t feel seriously injured. Rideshare accidents can cause hidden injuries, such as whiplash or head trauma, which may not show symptoms right away.
2. Report the Accident to the Authorities
Always report the accident to the police, especially if there are injuries. A police report will help establish the details of the accident, including which driver was at fault and any traffic violations. This document will be essential when filing your insurance claim or lawsuit.
3. Gather Information
Collect the rideshare driver’s name, phone number, and insurance details, as well as the rideshare company’s details. You should also gather information from any other drivers involved, including their contact and insurance information. Take photographs of the scene, vehicle damage, and injuries.
4. Notify the Rideshare Company
Contact the rideshare company (Uber or Lyft) to report the accident. Both companies have insurance policies that provide coverage for accidents involving their drivers. However, the https://squareblogs.net/lundurrjvp/navigating-workers-compensation-for-occupational-illnesses level of coverage will depend on the specific details of the accident, such as whether the driver was on duty at the time of the crash.
What Happens with Insurance in an Uber or Lyft Accident?
One of the unique aspects of Uber and Lyft accidents is the insurance coverage provided by the rideshare company. Rideshare companies offer coverage for accidents depending on whether the driver was “on the clock” at the time of the crash.
1. When the Rideshare Driver Is Not on Duty
If the driver is off-duty or not using the app, their personal auto insurance is the primary coverage. If the driver doesn’t have sufficient coverage, you may need to file a claim with your own insurance policy.
2. When the Rideshare Driver Is on Duty
If the driver is actively using the rideshare app and waiting for a ride request, the rideshare company’s insurance coverage will apply. This insurance provides up to $50,000 in bodily injury coverage per person and up to $100,000 per accident, but only if the driver has the app on and is available to take rides.
3. When the Driver Is Picking Up or Transporting a Passenger
If the driver has already picked up a passenger, or if you are a passenger in an Uber or Lyft, the rideshare company’s insurance policy provides coverage for up to $1 million in liability coverage, which includes coverage for personal injury and property damage.
Conclusion: Seek Legal Help After an Uber or Lyft Accident
Rideshare accidents can be complicated, but with the right steps, you can recover compensation for your injuries. Contact an experienced lawyer who specializes in rideshare accident claims to ensure your case is handled properly and that you receive the compensation you deserve. Get a free consultation today to discuss your case.