As a passenger using rideshare services like Uber and Lyft, it’s essential to understand your rights and legal protections in the unfortunate event of an accident. While rideshare companies prioritize safety and provide insurance coverage for their drivers, accidents can still occur, resulting in injuries and damages. This blog post aims to educate passengers about their rights and legal options following Uber and Lyft accidents, including insurance coverage, liability considerations, and steps to protect their interests.
Insurance Coverage Provided by Uber & Lyft
- Periods of Coverage:
- Uber and Lyft provide different levels of insurance coverage depending on the driver’s activity at the time of the accident:
- Period 1: The app is off, and the driver is not available for rideshare services. Only the driver’s personal insurance applies.
- Period 2: The app is on, and the driver is waiting for a ride request. Contingent liability coverage is provided, which may supplement the driver’s personal insurance.
- Period 3: The driver has accepted a ride request or is transporting a passenger. Both liability and uninsured/underinsured motorist coverage are provided by the rideshare company.
- Liability Coverage Limits:
- Uber and Lyft generally offer liability coverage up to $1 million per accident for bodily injuries and property damage caused by their drivers during Periods 2 and 3.
- Uninsured/Underinsured Motorist Coverage:
- This coverage protects passengers if they are injured in an accident caused by an uninsured or underinsured driver, and the at-fault driver’s insurance is insufficient to cover the damages.
Determining Liability in Uber & Lyft Accidents
- Driver Negligence:
- If the accident occurred due to the driver’s negligence, such as distracted driving, speeding, or running a red light, they may be held liable for the injuries and damages.
- Third-Party Liability:
- If another motorist caused the accident, their insurance may be responsible for compensating the injured passenger.
- Rideshare Company Liability:
- In certain circumstances, Uber or Lyft may be held partially liable for the accident, especially if their negligence or failure to maintain safety standards contributed to the incident.
Steps to Protect your Interests as a Passenger:
- Insurance Claims:
- File a claim with the appropriate insurance company, whether it’s the rideshare company’s insurance or the at-fault driver’s insurance. Provide all necessary documentation and cooperate with the claims process.
- Statute of Limitations:
- Be aware of the statute of limitations, which sets a time limit for filing a personal injury lawsuit. Adhering to the statute of limitations is crucial to protect your right to seek compensation.
- Compensation:
- If you have suffered injuries and damages due to the accident, you may be entitled to compensation for medical expenses, pain and suffering, lost wages, and other related losses.
As a passenger involved in an Uber or Lyft accident, understanding your passenger rights and legal protections is crucial. Awareness of the insurance coverage provided by rideshare companies, determining liability, and taking the necessary steps to protect your interests. You can navigate the aftermath of an accident more effectively. Consulting with a skilled personal injury attorney can provide valuable guidance and support throughout the claims process, ensuring your rights are upheld and maximizing your chances of obtaining fair compensation for your injuries and damages. Shane Gosdis is determined to get you the compensation that you deserve. To schedule a consultation call (385) 429-9960 or email s@gosdis.lawyer today.
