Handling Uber and Lyft Accidents for Both Drivers and Passengers
Ride-share companies like Uber and Lyft have made transportation easier, cheaper, and convenient for passengers to travel effortlessly through the convenience of a phone app. However, just like any other vehicle there is risk of an accident to occur while traveling to your destination.
What happens if you get in an accident while in an Uber or any other ride-share service? What happens if you get injured in an Uber accident?
If you happen to fall victim to an Uber or a similar ride-share car accident then the lawyers at Adley Law Firm are here to help. Our lawyers are skilled in ride-share car accidents and have experience in handling ride-share cases.
What is Uber?
Uber is a ride-share company founded in San Francisco in the year 2009 as “UberCab”. Uber provides a cheaper way of hiring private drivers with the convenience of sharing the cost with friends. This service is used worldwide and offers a variety of services through an electronic application. The most popular service of Uber is UberX and the most concern of ride-share car accidents. UberX was created in 2012 and provides riders with an affordable means of transportation. There are also other services offered by Uber like UberSUV and UberBLACK. These services provide transportation via larger vehicles or luxury vehicles.
What is Ride-Sharing?
Ride-sharing is splitting the cost of a ride between friends heading to the same place or strangers heading in the same direction. This makes Uber much more affordable than taxi or chartered car service. Uber became so popular and internationally used that taxi services are seldom being used. This has also led to a rise in other similar ride-share companies all over the world. Each company has a unique aspect of its services to differentiate itself from other ride-share companies. However, the means of transportation is the same through all ride-share companies, a location is requested through a smartphone, tablet, computer, or any advanced electronic device and paid through the application. The app plots out the route and the cost is calculated for the driver to take the passenger to their destination using GPS. Once the passenger arrives, they rate the driver to ensure the driver behaved appropriately.
Who Drives Uber or Lyft Cars?
Uber, Lyft and other similar ride-share companies are driven by freelance drivers. Each driver has a background check ran to ensure the passengers are in safe hands.
Ride-share Services Vs. Taxi Services
Ride-share services are software companies that run an electronic application facilitating the services freelance drivers provide the consumer. Unlike Taxi services ride-share companies are not considered commercial vehicles since the vehicles are owned by the freelance drivers. Furthermore, Uber and Lyft driver vehicles are not required to have commercial vehicle insurance plans.
In Case of a Car Accident Is Uber Required To Have Insurance?
With widespread use of ride-share companies how will cases be handled when an accident occurs? How much insurance coverage will be given? Who will get the coverage from this Insurance? What will insurance cover or not cover?
The minimum amounts of insurance coverage for the Uber/Lyft bill are:
Uber Car Accidents When On The App But Not Carrying A Passenger:
- For death and bodily injury, primary automobile liability coverage of at least $50,000 per person;
- For death and bodily injury, primary automobile liability coverage of at least $100,000 per incident;
- PDL coverage of at least $25,000 per incident; and,
- PIP and uninsured/underinsured motorist (UIM) coverage as required by law.
Uber Car Accidents When Driving A Passenger:
- Primary automobile liability coverage of at least $1 million for death, bodily injury and property damage; and,
- PIP and UIM coverage as required by law.
Uber and Lyft Ride-Share Insurance
Uber and Lyft are required by the state to provide a minimum insurance coverage according to the HB221 bill. In the event of an accident the insurance coverage plans for Uber and Lyft are similar but differences rely on different situations of app usage and the status of the ride.
1.Uber or Lyft Car Accidents When The Ride-Share App is Off And Inactive
When the ride-share app is off and inactive it is up to the driver to use their own insurance plan in the event of an accident. It is also required for the drivers that utilize Uber and Lyft to have their own insurance plans in case of an accident.
2. Uber or Lyft Car Accidents When The Ride-Share App is On And The Driver is Idle and Waiting For a Ride Request
If a driver gets into an accident while actively searching for a ride request and it is their fault then the ride-share service insurance will cover liability damage with $50,000 for injuries per person and $100,000 total for the accident with $25,000 for property damage.
However, this coverage only applies if the drivers insurance does not equal or exceed a greater level of coverage. The drivers personal insurance company is liable of any damages like collision damage to the car, medical expenses caused by injuries, and any lost wages due to the accident and/or injuries sustained from the ride-share accident.
It should be noted that many freelance drivers prefer to get their own ride-share insurance plan because they are covered by their insurance company in the event of an accident.
3. Uber or Lyft Car Accidents When The Driver Accepts a Ride Request And is in Route or From When The Passenger Gets in The Vehicle To When They Exit
The ride-share app provides coverage for both the driver and the passenger from the moment the driver accepts the riders request, when in route to the destination, and when the passenger arrives to their destination. Both Uber and Lyft provide third party liability coverage of at
least 1 million dollars per accident involving damages to other drivers, pedestrians, passengers, and property.
Uber and Lyft also provide bodily injury coverage to uninsured or underinsured motorist drivers of at least 1 million dollars. The insurance coverage covers anyone in the vehicle when another motorist is at fault and does not have insurance or does not have enough insurance to cover the damages. The insurance also covers hit and runs.
If a driver has insurance that covers collision accidents, they are then eligible for contingent collision and comprehensive coverage. The limit of this coverage is up to the cash value of the vehicle with a $1,000 deductible.
What You Should Do After an Uber or Lyft Ride-Share Car Accident
In the unfortunate event of a ride-share car accident, the driver, passenger and any other people involved in the accident can be left felling confused and distressed. Who gets covered and how much can be very stressful especially when the accident involved an injury. Injuries such as back injuries and traumatic brain injuries should first be taken care of after an accident to avoid any further complications and damages to your body. It is also important to note down any details after the accident, you can take a couple of photos or videos of the accident scene and damage, get the information of all the available parties and any witnesses. And most importantly is to seek the help of a professional attorney that deals with ride-share car accident claims. The lawyers at Adley Law Firm are skilled in ride-share car accidents and are passionate in helping their clients reach the compensation they deserve.
Can I lose My Access to Uber or Lyft if I Make a Claim?
Drivers and consumers will not lose access to Uber or Lyft services if they make a claim so there is no need to worry. Uber and Lyft use large insurance companies to cover any claims so that the claims do not impact them in anyway. And they also pay a portion of each fare
directly to their insurance company to avoid any damage to the company. If your claim is valid, documented properly by the authorities, such as police, ambulance, fire rescue, and medical doctors then it will be given the respect it needs. However, you need the professional help of a ride-share car accident attorney in order to get the full respect for your claim.
How Can I Find an Uber or Lyft Accident Lawyer Near Me?
If you were involved in a ride-share car accident then you should immediately contact the Uber Accident Lawyers at Adley Law Firm. They are skilled in ride-share car accident cases and will make sure that you are compensated fairly. Call us today at (713) 999-8669 to schedule a free consultation with one of our ride-share attorneys. Or send us an email through our online contact form.