In this day and age, you would be hard-pressed to find someone who has never taken an Uber or Lyft ride before—or at least someone who does not know someone who has. Since their inception, rideshare services have been taking the country by storm. So much so, in fact, that a recent study from the Pew Research Center has found that the number of Americans who have used ridesharing apps has more than doubled since 2015. Moreover, 61 percent of surveyed adults in 2018 reported hearing about (but never using) a rideshare service. Compare this to the 3 percent of adults who had said that they had never heard of ridesharing at all, and it is clear to see that this industry is here to stay.
It is not difficult to see why ridesharing is so popular. After all, modern-day rideshare services offer a plethora of advantages over traditional cab services. You can call your ride at the touch of a button and you can expect them to be there in just a few minutes. Plus, rideshare vehicles, in general, tend to be cheaper, cleaner, and quicker than other vehicles for hire.
But not even all these benefits can make up for the confusion that can follow after a rideshare accident. Passengers, drivers, and even the rideshare companies alike have had to confront many tricky questions regarding liability. Do you know what to do after getting in an accident with a rideshare vehicle?
When dealing with rideshare drivers, it is important to keep a few things in mind. First and foremost, Lyft and Uber drivers are just regular drivers—much like anyone else you might encounter on the road. They receive no specialized training, meaning that they are not any less likely to engage in negligent or reckless behavior than any other ordinary driver.
If you are hit and injured by a rideshare driver, you should be entitled to seek legal help and collect compensation for any losses you have suffered. While issues of liability will always vary case-by-case (especially when dealing with car accidents), they are especially variable with rideshare accidents. Specifically, how much you may be able to recover depends heavily on the following factors: (1) whether or not the driver was logged into the app, (2) whether or not the driver was waiting for a ride, and (3) whether or not the driver was picking up or carrying a passenger.
If a rideshare driver is not logged into the app, they can be considered to have been driving around purely for personal reasons. This means that the rideshare company will not be at all involved in the claims process. Instead, you will need to file a claim directly through the driver’s personal car insurance liability policy. Colorado law requires drivers to carry the following minimum amounts of liability insurance:
In the event that the driver is uninsured or underinsured, you may have to turn to your own uninsured/underinsured policy or any other types of coverage that may be available to you. Working with an experienced auto accident attorney can help you ascertain your exact available coverage and what you can do to recover everything you are rightfully owed.
If the rideshare driver was logged into the app and waiting for a ride, you can expect both Uber and Lyft to provide at least some degree of liability coverage. Uber specifically covers any damages caused by their drivers in the following amounts:
Lyft covers their drivers in the same amounts, though their coverage is contingent upon the rideshare driver having insufficient personal liability insurance or no personal liability insurance coverage at all.
If the rideshare driver was picking up or carrying a passenger at the time of the accident, Uber or Lyft’s liability insurance should cover any damages you suffer. While Uber provides a minimum of $1 million in coverage per accident, Lyft’s coverage has a $1 million limit per accident. If the respective company’s insurance is not sufficient to cover your damages, you may need to turn to your own uninsured/underinsured policy.
Although Lyft and Uber offer many conveniences to make life easier in our modern-day world, dealing with rideshare accidents can be messy. This is especially true if you are involved in a sort of accident for which there is no precedent. If you have suffered as a result of a rideshare accident, do not wait to see whether or not your accident will be covered. A competent attorney who understands the ins-and-outs of personal injury law, insurance policies, rideshare policies, and more can help you collect the damages you deserve.
If you or a loved one have been involved in a rideshare accident and suffered personal injury as a result, it is in your best interest to seek out the help of a qualified attorney as soon as possible. No matter where you are located in the States, the attorneys at Injury Victim Law are here to help. We are a Colorado-based firm of nationwide personal injury lawyers working with a team of experts and investigators in order to get you the results you deserve. Contact us today to schedule an initial consultation with one of our experienced attorneys today.
At Injury Victim Law, we are dedicated to resolving your case as expediently as possible. We do not believe you should suffer for someone else’s mistakes. Personal injury can change your life forever. You are entitled to certain legal rights and damages. Waiting too long may hurt your chances of ever defending them. We employ all the tools at our disposal to resolve your case successfully.