Hopping into an Uber or Lyft has become second nature for many of us, providing an easy way to get around. But what happens when things don’t go as planned and an accident occurs during your ride? Rideshare accidents can be overwhelming, leaving you unsure about who’s responsible and how to handle the insurance issues that follow. When you’re hurt and trying to recover, sorting out the details of coverage and liability shouldn’t add to your stress. Understanding your options is key to ensuring you receive the compensation you’re entitled to.
Understanding Rideshare Insurance Coverage
Rideshare insurance policies can be tricky to understand, especially when multiple coverages come into play. Uber and Lyft have structured their insurance based on different stages of a ride. Knowing when each policy applies is key:
- Period 1: The app is on, but no ride has been accepted. During this time, Uber and Lyft provide limited liability coverage (typically up to $50,000 per person for bodily injury and $25,000 for property damage).
- Period 2: A ride is accepted, and the driver is en route to pick up the passenger. At this point, the coverage increases significantly, providing up to $1 million in liability.
- Period 3: The passenger is in the vehicle. This stage offers up to $1 million in liability plus uninsured/underinsured motorist coverage.
Steps to Take Immediately After a Rideshare Accident
If you’re involved in a rideshare accident, taking the right steps immediately can protect your health and strengthen your case. Here’s what you should do:
- Seek medical attention: Your health comes first. Even if you feel fine, some injuries may not show up right away, so it’s important to get checked by a professional.
- Call emergency services: Report the accident to the police. A police report can serve as crucial evidence when filing an insurance claim.
- Document the scene: Take photos of the accident scene, including vehicle damage, road conditions, and any visible injuries. Collect witness information and get the contact details of the rideshare driver and any other drivers involved.
- Report the accident to Uber or Lyft: Use the app to notify the company, ensuring they have a record of the incident.
- Consult with an attorney: Getting legal guidance early on can help protect your rights and ensure proper compensation.
Insurance Challenges: Dealing with Uber and Lyft
Dealing with insurance after a rideshare accident can be complicated, as both Uber and Lyft often work to protect their own interests. One challenge is determining which phase of the ride you were in when the accident occurred. The company’s liability coverage varies depending on whether the driver was waiting for a ride request, en route to pick up a passenger, or transporting a passenger. This can lead to disputes over which policy should apply and how much coverage you’re entitled to receive.
Additionally, rideshare companies and their insurers may attempt to minimize payouts by questioning the severity of your injuries or shifting blame to another party involved. You might also find yourself dealing with multiple insurance companies. A clear understanding of your rights and options can make a significant difference.
How We Can Help You Recover Compensation
When you’ve been injured in a rideshare accident, you shouldn’t have to face the complexities of insurance claims alone. At Casper, Meadows, Schwartz & Cook, we understand how overwhelming it can be to deal with multiple insurance companies and policies, especially when they attempt to reduce or deny your compensation. We can guide you through the process and fight for your rights.
We have extensive experience handling rideshare accident claims and know how to build a strong case to ensure you receive the compensation you deserve. Whether it’s for medical expenses, lost wages, pain and suffering, or other damages, we work to hold the responsible parties accountable. Our team is committed to taking the pressure off you so you can focus on recovering while we handle the negotiations and legal details. If necessary, we’ll take your case to court to secure the best outcome possible.
Contact an Experienced Bay Area Rideshare Accident Attorney
Understanding rideshare insurance policies can be challenging, especially after an accident. Protecting your rights and getting fair compensation shouldn’t be a struggle. If you’ve been injured in an Uber or Lyft accident, contact Casper, Meadows, Schwartz & Cook today for a free consultation. We’re here to help you recover.