Uber and Lyft Accident Attorneys in Springfield
Know Your Rights If You Were Injured In A Rideshare Accident
Ridesharing apps such as Uber and Lyft have revolutionized transportation by reducing the need for individuals to drive frequently. However, this convenience comes at a cost - increased traffic on our roads, leading to a higher risk of accidents. If you find yourself involved in a collision caused by an Uber or Lyft driver or sustain injuries while using their services, you can take solace in the fact that you are likely covered by the commercial insurance owned by the respective app.
While Uber and Lyft are large companies with substantial insurance coverage, it is important to note that filing a claim against them may not be a straightforward process. Their trained team of corporate attorneys may challenge your claim, making it crucial to have a strong legal representation on your side. At Rah Law, our experienced attorneys have been advocating for individuals like you for over 45 years. Before attempting to file a claim on your own, consider how our expertise and resources can help you maximize your compensation following a rideshare accident.
Cause And Liability In Uber And Lyft Accidents
If you were injured in a rideshare accident caused by another person, you will be able to access substantial insurance coverage to assist with the expenses related to your injuries. The process of accessing these funds may involve multiple steps, which will vary depending on the specific circumstances of your accident.
To schedule your complimentary consultation, please contact us at 417-512-2333. Our team of lawyers specializing in Uber and Lyft accidents is available to assist clients in Springfield and the nearby regions.
If You Are Another Driver, Passenger, or Road User Injured by a Rideshare Driver
It is important to note that car insurance policies mandated by law do not provide coverage for commercial activities such as driving for a rideshare company. Consequently, if you are involved in an accident with a driver who is working for Uber or Lyft at the time, you will not be able to file a claim against their personal insurance. Instead, you will need to file a claim against the insurance policy of Uber or Lyft.
Therefore, in addition to collecting the driver's information, it is crucial to gather evidence proving that they were working at the time of the accident. Taking a picture of their rideshare app as proof of their activity is sufficient. Additionally, the driver's records will be stored with Uber or Lyft, and they should also report the accident. This way, the companies can verify your evidence and confirm your eligibility to file a claim against their insurance.
If You Are a Rideshare Passenger and Your Driver Causes an Accident
Filing for compensation as a passenger in an accident is made easier as you are not responsible for any allegations of fault. Nonetheless, it is important to gather evidence of the accident and your driver's involvement. Remember to note down your driver's name and take a screenshot of your app for future reference. Additionally, capturing pictures of the accident scene and the car damage is crucial. Although you may not be seeking compensation for property damage, these photos can demonstrate the severity of the accident and assist an attorney in reconstructing the scenario to prove your injuries.
If You Are a Rideshare Passenger and Another Driver Causes an Accident
The driver responsible for a collision is liable for the damages suffered by anyone injured, including passengers or bystanders. This means that you may have to file a claim against a third-party driver. It is important to gather their personal and insurance information before leaving the scene.
However, there are instances where the third-party driver's insurance may not fully cover your claim due to factors such as policy limits, the severity of the accident, and the number of people injured. In such cases, you can file a second claim with the uninsured/underinsured motorist coverage provided by Uber and Lyft. To be prepared for this possibility, ensure that you have saved records of the ride and the name of your rideshare driver in a secure location or note. This information will be necessary to substantiate your claim with Uber or Lyft.
The Details Of Uber And Lyft’s Insurance Policies
The insurance coverage for rideshare drivers, even in cases where they are at fault, can differ. Both Uber and Lyft have insurance policies that include certain conditions aimed at reducing the companies' liability.
Coverage Limits Depend on Driver Activity
Uber and Lyft automatically provide insurance coverage for anyone who drives for their platforms. However, this coverage is only applicable when the driver is actively working. The limits of coverage also depend on whether the driver is engaged in a ride request.
For drivers who are "available" and actively seeking a ride request, Uber and Lyft offer the following insurance:
- Third-party liability insurance
- $50,000 in bodily injury per person/$100,000 per accident
- $25,000 in property injury per accident
Rideshare insurance offers coverage for drivers who are either en route to pick up a rider or have a passenger during the accident.
- $1,000,000 in third-party liability coverage
- Uninsured/underinsured motorist bodily injury coverage
It is crucial to obtain proof of a driver's status, particularly in serious accidents where $50,000 may not suffice to meet your requirements. Failure to provide evidence of the driver's activity status could result in resistance to your claim.
Individual Rideshare Insurance and Order of Claims
Rideshare drivers have the option to carry their own commercial insurance policies, although it is not mandatory. However, it is worth noting that both Uber and Lyft consider their policies as secondary coverage, which means they only come into effect after any other insurance coverage has been exhausted. As a result, if you are involved in an accident, you may need to file multiple claims.
If the rideshare driver who caused the accident has a commercial policy, you will need to file a claim with their insurance company first. Otherwise, Uber or Lyft may reject your claim entirely. While dealing with multiple insurers may not be ideal, especially after a serious accident, it is still preferable to not being able to recover the necessary amount. Our team of attorneys can assist you in understanding the specific requirements for each type of claim and ensure that the process proceeds smoothly on your behalf.
Get a free consultation from our Springfield office at Rah Law Contact us now at (417) 855-2022 and discover how our rideshare accident attorneys can assist you.
Dedicated Lawyers, Compassionate Advocates
Receiving fair compensation after a serious car accident is crucial for obtaining the necessary treatment and moving forward. However, navigating through complex insurance requirements and corporate challenges to your claim can be overwhelming. Our team of attorneys, industry experts, and support staff can handle your claim, allowing you to focus on your recovery.
At Rah Law, we are dedicated to maximizing our clients' recovery. Our firm is home to skilled litigators who meticulously prepare your case for trial right from the beginning. When an insurance company disputes your claim or offers an inadequate settlement, we make it clear that we will not tolerate unfair treatment. The rule of law is on your side, and if necessary, we will utilize the justice system to protect your right to compensation.
With over $7 billion recovered for our clients, our team has a proven track record of success. We have received recognition from prestigious organizations and have been honored with awards for our exceptional legal work. Experience the difference that having a qualified legal team on your side can make if you have been involved in a serious Uber or Lyft accident.
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