Who is Responsible for Injury in an Uber Car Accident?

Car accidents can happen anytime, anywhere. When it involves a rideshare service like Uber or Lyft, the question of who is liable for the catastrophic injuries and damages that occur can be complicated. It’s important to understand what type of insurance coverage is available and who may be responsible if you’re injured in an Uber car accident. Let’s dig into the details. 

Who Is Liable for Rideshare Car Accidents?

The first question to answer when determining liability in a rideshare car accident is whether the driver was logged into the app at the time of the crash. If they were logged in but hadn’t yet accepted a ride request, then Uber or Lyft’s liability coverage will likely apply, depending on their policy limits. If they had accepted a ride request at the time of an accident, then Uber and Lyft are required to provide full coverage no matter who was at fault for the crash. In cases where a passenger has been injured during this period, both companies have $1 million in liability insurance coverage per incident, which covers medical expenses and lost wages due to injury. 

When Uber or Lyft Is Responsible

If you were involved in an accident with an Uber or Lyft affiliated driver while they weren’t logged into their app at the time, then deciding who is liable becomes more complex because personal auto insurance policies may be involved. However, if there is any evidence that suggests that the driver was on their way to pick up passengers (such as being located close to where they were requested) then it’s possible that their personal insurance policy won’t cover any damage or injury costs related to this accident. This means that one in an accident with them would need to file a claim against either Uber or Lyft in order to get compensation for medical bills and lost wages due to injury.  

How Does Insurance Work for a Rideshare Car Accident?

It’s important to remember that filing a claim against either company requires evidence that proves a driver was indeed working for them at the time of your accident. This could include information from witnesses or phone records showing that the driver was logged into their app. If you were a passenger in the vehicle at the time of an accident, it would be very easy to prove the driver was indeed working for Uber or Lyft at that time. 

It’s also worth noting that not all states have laws requiring rideshare companies like Uber and Lyft to provide additional coverage beyond regular auto insurance policies. So, it helps if you know what kind of coverage is available in your state before filing a claim against one of these companies after an accident involving one of their drivers occurs.  

No one ever expects to be involved in an accident with, or while riding with, an Uber or Lyft driver, but it does happen. Understanding who is responsible can be tricky depending on various factors like whether they were logged into their app at the time of the crash. Knowing what type of insurance coverage is available is also important. This can help ensure that victims receive adequate compensation for any medical bills and lost wages due to injury caused by an accident with, or while riding in, an Uber or Lyft. Contact The Offices of Scott Righthand for a consultation and we can help make sure Uber or Lyft is held accountable for any damages you have incurred due to an Uber car accident.

Date Of Posting

28 February,2023

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