Rideshare services like Uber and Lyft have become increasingly popular in Lakeland and other cities, providing a convenient and affordable mode of transportation for many people. However, with the rise in rideshare usage, there has also been an increase in rideshare accidents. If you have been involved in a rideshare accident, it’s important to know when and how the insurance coverage of companies like Uber and Lyft applies to your claim.
At Dismuke Law, we are well-versed in navigating the complexities of rideshare insurance policies. Our rideshare accident attorneys are dedicated to helping you understand your rights and obtain the compensation you deserve. Contact us for a free consultation today. We’ll take the time to review your case thoroughly, ensuring that you have the best possible chances of a successful claim.
What Is the Coverage Provided by Uber and Lyft?
Uber and Lyft, two leading rideshare companies, offer insurance coverage designed to protect passengers, drivers, and third parties in the event of an accident. The coverage provided by these companies is detailed on their respective websites and can be understood in terms of different levels, which are primarily based on the driver’s status at the time of the accident. When the driver is actively transporting a passenger or on their way to pick up a passenger after accepting a ride request, both companies provide a $1 million liability coverage policy to cover damages and injuries sustained by passengers or third parties.
Additionally, when the driver is logged into the app but has not yet accepted a ride request, Uber and Lyft provide contingent liability coverage. This type of insurance is somewhat lower compared to the $1 million policy and is designed to kick in only if the driver’s personal insurance does not apply. The coverage amounts during this period typically include at least $50,000 per person for bodily injury, $100,000 total injury liability per accident, and $25,000 for property damage.
Both Uber and Lyft also offer uninsured/underinsured motorist coverage. UM coverage is especially crucial in incidents where another driver is at fault but does not have sufficient insurance to cover all damages. This ensures that both the rideshare driver and passengers are not left out of pocket in such situations.
How Does Driver Status Affect Insurance Coverage?
The driver’s status at the time of an accident determines the extent of insurance coverage provided by rideshare companies like Uber and Lyft. The insurance coverage follows a tiered structure that aligns with the driver’s activities, broken down into four distinct periods.
Period 0 refers to when the rideshare app is turned off. In this scenario, the driver’s personal auto insurance is the primary coverage in the event of an accident. This means that any claims for damages or injuries would need to be filed with the driver’s insurance company, not Uber or Lyft.
Period 1 is when the driver has the app on and is waiting for a ride request. During this time, the coverage provided by rideshare companies is more limited than when a ride is in progress. This contingent liability coverage is designed to fill the gaps not covered by the driver’s personal insurance, but it does not offer the full extent of protection available in later periods.
Period 2 begins once the driver accepts a ride request and is en route to pick up the passenger. At this stage, the insurance coverage significantly increases, reflecting the higher risk now associated with the driver’s activities. Both Uber and Lyft offer a more comprehensive policy that includes liability, uninsured motorist coverage, and in some cases, collision and comprehensive coverage.
Period 3 covers the time from when the passenger enters the vehicle until the trip ends. This is the phase where the $1 million liability coverage, along with other protections, are fully in effect. It’s designed to offer maximum coverage to passengers, drivers, and third parties affected by an accident during an active ride.
What Steps Should You Take Immediately After a Rideshare Accident?
Following a rideshare accident, your immediate actions can significantly impact the outcome of your insurance claim. Here are essential steps to consider:
- Ensure Safety: Move to a safe location if possible and check for injuries.
- Call 911: Report the accident to the authorities, even if it seems minor.
- Document the Scene: Take photos of the vehicles, any damages, and the accident scene.
- Exchange Information: Get contact and insurance details from all parties involved, including the rideshare driver.
- Report to the Rideshare Company: Notify the rideshare service about the accident through their app or customer service.
- Contact a Rideshare Attorney: Engaging a knowledgeable attorney specializing in rideshare accidents can help navigate the complexities of insurance claims. They can guide you through the legal process and ensure your rights are protected.
Prompt action not only prioritizes your health and safety but also lays the groundwork for a smoother claims process. Furthermore, it provides you with a more accurate and detailed account of the incident, which is crucial in strengthening your case for fair compensation.
How Can a Lawyer Assist With Your Rideshare Accident Claim?
At Dismuke Law, we have the experience and dedication to guide you through the complexities of rideshare accident claims. Our team understands the intricacies of Uber and Lyft’s insurance policies and will work diligently to ensure you receive the compensation you deserve. We will handle all communication with insurance companies, gather necessary evidence, and build a strong case on your behalf.
Choosing Dismuke Law means you are partnering with a team committed to your best interests. With over 18 years of legal experience, we provide personalized attention to every case, ensuring that no detail is overlooked. Contact us today at (863) 250-5050 or visit our contact form for a free consultation.