Did you know that both Uber and Lyft passengers are covered by death and bodily injury policies? Each services insurance policy covers their passengers with an amount of at least $1,000,000, and there are also coverages available for drivers in certain circumstances.
If you are a passenger of Uber or Lyft and your driver is at fault in an accident, and it is during a logged ride in app, then both companies provide coverage for passengers up to $1,000,000. This ensures that the responsible parties are held accountable for their actions.
In addition to protections that cover passengers if your Uber or Lyft driver is at fault in an accident, both companies provide $1,000,000 in uninsured motorist coverage if you are in an accident and the other party is at fault but has no coverage of their own.
If you are in an accident as a passenger of one of these rideshare companies, it’s important to understand what your rights are and what kind of coverage is available to you. Because this industry is continuing to change and evolve, reaching out to an attorney with experience in these kinds of cases for a free case evaluation is critical.
If you are a driver for Uber or Lyft and you are involved in an accident that is not your fault, there are protections that would apply to you as well. If, for example, you are a driver for one of these rideshare companies and you were hit by a drunk driver after you accepted a rideshare request in the app and have either picked up a passenger or are en route, there is up to $1,000,000 of coverage available to you.
Things Can Get Complicated
But what if the Uber/Lyft driver has his or her own ride-sharing or commercial insurance coverage? The insurance company of the driver who hits the Uber or Lyft vehicle and injures the passenger could be held responsible for the passenger’s medical bills. Then, there is always the gray area of who was actually at fault. Throw in time-consuming litigation as insurance companies fight it out, and it’s time for passengers and drivers to get legal help.
Steps You Should Take
A passenger involved in an Uber or Lyft accident should take the same steps as after an accident in a private car. Even if it seems that there are no serious personal injuries, it is a good idea to seek immediate medical attention and get a doctor’s report.
Experts advise using a smartphone to take photos and videos of the scene of the accident and damaged cars. Also, writing down as much information as possible will be of great assistance if the passenger must file a separate claim. The information includes:
- the Lyft or Uber driver’s name and information
- the names of other involved parties, including their contact and insurance information
- names and contact information of bystanders or other witnesses
Note: After the accident, it is never a good idea to discuss the case with the other party’s insurer. Anything said to the other driver’s insurance company will likely be recorded and used to the detriment of the claimant.
When to Seek Legal Help
Dealing with Uber and Lyft representatives and insurance company professionals can be intimidating, especially if there are injuries and medical bills involved. An experienced auto accident attorney will relieve the accident victim of that burden and fight for the client’s rights and financial interests.
If you think you have a case in the South Florida area, contact Ginnis & Krathen to speak with a personal injury attorney today. We have experience in representing both drivers and passengers of Uber and Lyft in these kinds of accidents. Call our office at (954) 283-7938, or request your free case evaluation.