Uber & Lyft Accidents Unique Legal Issues in Ride Sharing Accidents

Involved in an Uber or Lyft Accident?

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The trend of ridesharing has become more and more popular in recent years, however, it brings many new legal complications and questions with it. Who is responsible if a rideshare driver is involved in an accident? Will they or their company pay for damages and injuries? While this is still a very new terrain to navigate, Arnold & Itkin provides comprehensive representation for those involved in Uber and Lyft accidents. Our car accident lawyers have represented countless injury victims and can utilize the insight and skill gained from these cases to benefit yours.

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Have questions about your Uber or Lyft accident? Reach out to our firm for trusted counsel.

Why Is an Uber or Lyft Accident Different?

When you are involved in an accident with a ridesharing vehicle, it is important to understand that it is different than a normal car accident. Uber in particular is a good example. They do not consider their drivers employees, but independent contractors, and may be quicker to deny injury claims because of this.

Further, both Uber and Lyft use applications that can take a drivers attention off the road. This often means that these accidents can be the fault of the rideshare drivers. Nearly anyone can become an Uber or Lyft driver, so long as they have personal auto insurance, a license, and meet a few other requirements. Many of these drivers do not have any training or experience with transporting clients, making it dangerous for them to be on the road all day long. With increased chance for accidents, it is crucial that these companies take extra precautions to insure their drivers.

Don't wait to get legal guidance for your Uber / Lyft accident. Call the injury attorneys at Arnold & Itkin today.

Understanding Rideshare Insurance Policies

At this point, you may be wondering how to even file a claim. When you have our legal team on your side, we will help you swiftly maneuver through all the complexities of rideshare accidents. First, it is important to understand the different insurance policies involved. All drivers must have their own personal insurance in order to be eligible to work for both Uber and Lyft. In addition to that, both companies carry $ 1 million of liability coverage for any accidents. However, this coverage is only provided when a driver is actually performing a trip for the company.

For example, Uber provides the following breakdown of their insurance policy:

  • When Uber app is off: Only the driver's personal auto insurance is utilized in these accidents, as Uber claims they are not on the job at that point so they cannot be held responsible.
  • App is on and driver is "available": A driver's personal insurance and Uber's contingent liability coverage can be accessed, including up to $50,000 to $100,000 for injuries and $25,000 for property damage.
  • Driver is on an Uber trip: The company's commercial insurance coverage is provided, which included up to $1 million in third party liability and $1 million in uninsured or underinsured coverage.

Lyft has very similar insurance policies, enforcing different coverage for when a driver's app is off, when they are actually driving a customer, and when they are in between trips. Essentially, if you are involved in an accident with an Uber or Lyft driver while they have a client in the car, you can receive compensation from both their personal auto insurance and their rideshare company. It certainly gets more complicated and challenging when that driver is in between trips, roaming around for a job, or "off-the-clock" after a full day of driving.

Don't Delay Your Claim—Call Our Firm Now!

We understand that car accident claims can be extremely confusing, especially in newer situations involving rideshare vehicles. Arnold & Itkin has a firm grasp on the insurance policies and coverage involved in these accidents and can provide the support you need to resolve your case favorably. Whether you need to file a claim with the right parties or have been denied compensation for your injuries, our car accident lawyers are ready to step in on your behalf.

Let our award-winning legal team help with your claim! Contact us today or fill out a free case evaluation.

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