A rideshare is when a passenger travels in a driver’s personal vehicle for a one-time ride that is purchased through an app. The most widely-known rideshare companies are Uber and Lyft. California was the first state to legalize transportation network companies (TNCs) and is where some of the major rideshare providers originated.
Uber or Lyft related car accidents occur when you’re a passenger and suffer injuries as a result of another party’s negligence or the negligence of the Uber/Lyft driver. Another scenario is when an Uber or Lyft driver negligently collides with a vehicle that you’re operating or when you’re an Uber/Lyft driver who gets hit by another negligent party. If you are driving for a rideshare company, installing a dash-camera in your vehicle is a must.
INSURANCE COVERAGE WHEN THE RIDESHARE DRIVER’S APP IS OFF
This is when a rideshare driver’s app is off and they are acting as a private person. Their driving is unrelated to the status as a contractor for the rideshare company. At this stage, if you are involved in an accident, then your personal auto insurance would apply as you were not in the course and scope of employment.
INSURANCE COVERAGE WHEN RIDESHARE APP IS ON – WAITING FOR RIDERS
When the rideshare driver isn’t paired with a passenger yet and is on standby, the rideshare company’s insurance coverage is triggered when there is an auto accident. Drivers are responsible for carrying at least the minimum auto insurance limits, but both Uber and Lyft provide auto insurance to drivers, if their personal insurance doesn’t fully cover the amount of the claim.
Uber and Lyft provide the $50,000 and $100,000 coverages for liability, and $25,000 in property damage.
INSURANCE COVERAGE WHEN RIDESHARE APP IS PAIRED WITH A PASSENGER – PASSENGER IN THE VEHICLE
Uber maintains a $1 million third-party liability policy on the driver’s behalf, along with uninsured/underinsured motorist bodily injury coverage and contingent comprehensive and collision coverage up to the actual cash value of the driver’s car (with a $1,000 deductible).
Lyft maintains a $1 million liability policy. It also offers contingent collision and comprehensive coverage, which means the driver must claim against their personal insurance first. If that claim is denied or not enough, Lyft insurance will cover the remainder. There is a $2,500 deductible. Lyft also carries a $1 million uninsured/underinsured motorist policy.
WHAT TO DO AFTER AN UBER/LYFT CAR ACCIDENT
If you were injured in a rideshare car accident as a passenger or a driver, seek medical attention right away by either calling 911, going to the emergency room or an urgent care. Next, contact an experienced Glendale car collision lawyer at Aratta Law Firm in Los Angeles, California who can navigate your case in the right direction for an effective resolution of your injury claim. Do not attempt to handle your injury case yourself, as this will reduce the odds of a favorable personal injury settlement down the line.
The rideshare company will have records of who your driver is, the car’s license plate, and even the location where the accident happened – all of this information is tracked by GPS in real-time.
- Check yourself for injuries and Call 911
- Get to safety and wait for help
- Take a photo of the Driver Licenses from all of the drivers involved in the crash
- Take a photo of insurance ID cards from all of the drivers involved in the crash
- Take photos of all the vehicles at the scene of the accident (including yours), depicting the damage caused from the crash.
- If there are any independent witnesses, take their name (s) and phone numbers.
- Contact our office to speak to a car accident lawyer ASAP.
DAMAGES YOU MAY RECOVER IN AN UBER/LYFT CAR ACCIDENT
The mission of every insurance company is to limit or deny claims. Remember that just because the law requires that Uber (and Lyft) possess $1 million in insurance coverage, that does not automatically mean you will receive the maximum compensation allowed. Injury cases have many factors to consider for a successful resolution, including severity of the injuries, facts of the accident, and your attorney’s aggressive approach towards the case.
The damages you may obtain for an Uber / Lyft related car accidents include:
- Physical pain and suffering, mental anguish and physical impairment
- Medical, hospital, rehabilitation, disability and other health care related expenses
- Economic losses including lost wages, salary or income and property damage
- Loss of future income due to any long-term disability and permanent diminished earnings capacity
- Punitive damages, when Defendant’s conduct is willful
- Wrongful death
Not every injury case is the same. Remember that a settlement of your injury claim usually turns on far too many factors, including the art and skill of successful negotiation based on the evidence in the case.
WHY CHOOSE ARATTA LAW FIRM?
At our firm, every injured client will be in direct contact with an attorney. Many large corporate law firms end up transferring you to a case manager – you never speak to an attorney directly and your case becomes part of the mill.
At our firm, we do things different. We pay close attention to every individual case, from the inception and throughout the process of the claim / lawsuit. Our diligence and attention to detail result in consistent higher settlements, which adds up to a higher compensation for you, the client.