Liability in Rideshare Accidents

Millions of people use Uber, Lyft, and other rideshare apps, but don’t always think about the possibility of accidents happening. While these drivers are generally safe, a crash can happen at any time.

As a passenger, it’s important to understand the process for reporting a rideshare accident and getting the compensation you need for your injuries and other damages. Here’s a look at liability for Uber and Lyft.

Rideshare Insurance Coverage

Uber and Lyft both offer the same coverage for drivers and passengers. Coverage varies based on what the driver is doing at the time of the accident. Here are the statuses and coverages that apply:

• Offline: When the driver is offline and not working, their personal auto insurance applies. They must maintain personal automobile insurance at mandatory minimum limits in order to drive with Uber or Lyft.
• Driver is online and available for a trip: When the driver is at fault and another person gets hurt or their vehicle gets damaged, the rideshare company’s third-party liability insurance applies. It covers the cost of damages in the following amounts: $50,000 per person and $100,000 per accident for injuries, and $25,000 in property damage per accident. The rideshare company may maintain extra coverage for drivers and passengers such as uninsured motorists, personal injury protection, and medical payments coverage.
• Driver is on a trip or en route to one: Uber and Lyft both maintain some of the most comprehensive insurance coverages, including:
  • Insurance that covers at least $1 million for property damage and injuries to anyone involved in an accident where the driver is at fault.
  • Insurance that covers the cost to repair the driver’s car, up to the actual cash value, with a $2,500 deductible.

Determining Liability

In rideshare accidents, liability can be complicated. There may be multiple parties at fault, so determining who is liable may be based on factors such as:

• Driver negligence. Much like traditional car accidents, a rideshare driver could be liable if they were speeding, driving distracted, or engaging in other reckless behaviors at the time of the crash.
• Rideshare company. While rideshare drivers are classified as independent contractors, the company’s insurance usually applies. This depends on the driver’s status.
• Vehicle maintenance. Rideshare vehicles tend to get a lot of wear and tear, which can lead to mechanical failures. If a lack of regular maintenance contributed to the accident, multiple parties could share fault.

 Contact Us Today

In rideshare accidents, liability typically falls on the negligent driver. Still, liability can be complicated, especially when large companies like Uber and Lyft are involved.

A Mt. Juliet Uber & Lyft accident lawyer from The Law Offices of Christopher Eads, PLLC can help you if you have been a victim. We will work to ensure you get the settlement you are owed. Schedule a consultation today by filling out the online form or calling (615) 622-6060.

Source:

uber.com/us/en/drive/insurance/