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With the growing popularity of rideshare services like Uber and Lyft, accidents involving rideshare drivers are becoming more common. If you’ve been in a rideshare accident, you might wonder: Who is responsible for covering the damages? Understanding the liability process, insurance coverage, and legal options can help you take the right steps.
This article provides a comprehensive guide to rideshare accident claims, explaining who is at fault, how insurance works, and what compensation you may be entitled to. Whether you’re a passenger, driver, or third party affected by an accident, this guide will help you navigate the claims process.
The first step in any accident claim is determining who was responsible. Liability affects whose insurance will cover the damages and what kind of compensation you may receive.
If the Rideshare Driver Was at Fault If the rideshare driver caused the accident, the insurance policy covering the damages depends on the driver's status at the time of the crash:
If You Were at Fault If you were responsible for the accident (e.g., if you hit a rideshare driver’s car), your own auto insurance policy will cover damages. If you have collision coverage, your insurance will pay for your vehicle repairs. However, if you are found at fault for injuries to passengers or the rideshare driver, you could be liable for medical expenses and other damages.
Rideshare companies provide different levels of insurance coverage depending on what stage the driver was in at the time of the accident.
Stage 1: Offline or Not Logged In
Stage 2: Logged In but Waiting for a Ride Request
Stage 3: En Route to Pick Up a Passenger or During a Ride
If you were a passenger in the rideshare vehicle, you are covered by the rideshare company’s $1 million liability policy if the rideshare driver was at fault.
If you’ve been in a rideshare accident, you may be entitled to financial compensation. The types of damages you can claim depend on the severity of the accident and your role (passenger, driver, or third party).
Types of Compensation Available
Property Damage
Medical Expenses
Lost Wages
Pain and Suffering
What If the Rideshare Driver Was Uninsured or Underinsured?
If the driver lacked proper coverage, Uber and Lyft provide uninsured/underinsured motorist coverage to protect passengers and third parties.
If you've been in an accident involving a rideshare vehicle, follow these steps to protect your rights and maximize your compensation:
Get the Rideshare Driver’s Insurance Details
File a Police Report
Notify Your Insurance Company
Determine Whose Insurance Applies
Consider Hiring a Lawyer
Does Uber or Lyft Always Cover Rideshare Accidents? Not always. Coverage depends on the driver’s status in the app. If the driver was offline, their personal insurance applies.
What Should I Do If an Uber or Lyft Driver Hits My Car? Exchange insurance information, file a police report, and determine whether Uber/Lyft's limited or full liability coverage applies.
What If I Was a Passenger in a Rideshare Car During an Accident? Passengers are covered under Uber/Lyft’s $1 million liability insurance. You may file a claim against the rideshare company.
Can I Sue Uber or Lyft After an Accident? In most cases, Uber and Lyft are not directly liable for accidents since drivers are independent contractors. However, you can file a claim against their insurance policy.
Rideshare accidents can be complex, involving multiple insurance policies and liability factors. Whether you were a passenger, rideshare driver, or third-party driver, understanding how insurance applies is crucial in securing the compensation you deserve.
If your claim is denied or if you’re struggling with medical expenses, lost wages, or pain and suffering, consider reaching out to a personal injury attorney who specializes in rideshare accident cases.
If you're facing insurance delays or unfair claim denials, a qualified rideshare accident attorney can fight for your rights. Don’t wait—schedule a free consultation to explore your legal options. Contact Rafferty Domnick Cunningham & Yaffa today.
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