Rideshare services like Uber and Lyft have revolutionized transportation, offering a convenient alternative to traditional taxis. However, these services are not without risks. A recent survey conducted by the University of Illinois Chicago found that one-third of rideshare drivers reported being involved in a crash while working. Additionally, the National Safety Council estimates that 375 people may die on U.S. roads during holiday period around new years, with 40% of these fatalities involving an alcohol-impaired driver. In this article, we discuss what to do if you are injured in an accident with a rideshare vehicle and the challenges that come with it.
The Issues with Rideshare Accidents
Imagine you are out driving and get in an accident with an Uber or Lyft vehicle. Determining what insurance coverage applies can be challenging because it depends on various factors, including whether the driver was logged into the rideshare app, transporting passengers, or driving for personal reasons. Each scenario impacts whose insurance will cover the damages:
- Rideshare Company Coverage: Both Uber and Lyft provide liability insurance for their drivers, but the coverage varies depending on the driver’s activity at the time of the accident:
- If the app is off: The driver’s personal insurance applies. Uber and Lyft provide coverage
- If the app is on, but no ride has been accepted: Only a limited amount of liability typically applies.
- If a ride is in progress: Rideshare companies offer up to $1 million in liability coverage for injuries and damages.
- Third-Party Drivers: If another driver caused the accident, their insurance would be the primary source of compensation.
- Rideshare: As a rideshare passenger, you are usually covered under the rideshare company’s liability policy while on an active ride. Not if the Uber or Lyft driver is at fault, you only collect from them.
Steps to Take After a Rideshare Accident
The moments following an accident are crucial for protecting your health and legal rights. Here are the steps you should take:
- Seek Medical Attention: Seek medical attention for any injuries, no matter how minor they seem. If you are in doubt, play it safe and go to the emergency room to get checked out
- Report the Incident: Notify the rideshare company through their app and file a police report.
- Document Evidence: Take photos of the accident scene, vehicles involved, and any visible injuries.
- Gather Witness Details: Get names, addresses, and phone numbers of victims
- Speak with the Other Party: Talk to the other driver and note or record anything they say indicating fault on their part
- Consult a Ride Share Accident Lawyer: Contact a personal injury attorney to handle the claims process for you and to file a lawsuit if necessary
Common Challenges in Rideshare Accident Claims
Rideshare accident cases often involve disputes over liability, insurance coverage, and damages. Determining liability can be complex, as it may involve the rideshare driver, another motorist, or even defective vehicle components. Insurance companies may try to limit payouts or deny claims altogether, adding another layer of difficulty. Additionally, injuries from these accidents can lead to significant medical expenses, lost wages, and emotional distress, making it crucial to accurately calculate damages.
Why Legal Representation Matters
Rideshare accident claims are more intricate than typical car accident cases due to the involvement of corporate insurance policies and potential legal loopholes. A ride share accident lawyer understands these complexities and can thoroughly investigate the accident, negotiate with insurance companies, and represent you in court if necessary.
Staying Safe
Many people rely on rideshare services to avoid driving under the influence. While this is a responsible choice, accidents can still occur. Following safety precautions, such as wearing seat belts and verifying driver details, can reduce your risk of injury.If you’ve been involved in a rideshare accident, seeking professional legal advice is critical. At McGlone Law, we specialize in protecting the rights of accident victims and ensuring they receive the compensation they deserve. Contact McGlone Law today for a free consultation with a ride share accident lawyer.
