If you were injured in an Uber or Lyft accident, your available recourse will vary depending on the facts of the case. Third parties injured by Uber or Lyft drivers are covered by certain insurance policies only when the driver is on the clock. The drivers themselves may have different levels of coverage depending on their status while working.
If you were injured in a wreck involving a rideshare vehicle, an experienced Johnstown Uber/Lyft accident lawyer could help you pursue financial compensation. By working with a skilled Johnstown car crash attorney, you could improve your chances of a favorable resolution to your case.
Types of Uber/Lyft Wrecks
Anytime an Uber or Lyft driver is negligent behind the wheel, he or she puts him or herself and others at risk of harm. Many civil cases stemming from rideshare vehicle wrecks involve an injured passenger who was harmed while in route to his or her destination. However, not only passengers in Ubers and Lyfts can be potential claimants in a case.
Claimants can also include drivers of other vehicles, pedestrians, or bicyclists who were struck by a negligent rideshare driver. Regardless of the exact status of the plaintiff in a rideshare accident case, it is important to work with a skilled local attorney.
How Does Insurance Change Based on a Rideshare Driver’s Status?
Both Uber and Lyft carry insurance coverage for their drivers and third parties who could be injured in the event of a wreck. However, the amount of coverage depends on the working status of the driver and whether the injured person is a rideshare driver or a third party.
Lyft Insurance Policies
Lyft’s insurance coverage policies are as follows:
- If the app is off, the driver is not working and therefore Lyft’s insurance coverage is not in effect. Only the driver’s personal insurance would cover an accident;
- If the app is on, but there is no matched ride, the accident coverage is $50,000 per person for bodily injury, $25,000 for property damage, and $100,000 per accident for bodily injury;
- If the driver has a matched ride, the insurance rates are set at $1,000,000 total per occurrence.
This insurance can help cover a Lyft driver, passenger, or a third party.
Uber Insurance Coverage
Uber’s insurance coverage policies are as follows;
- If the app is off, Uber does not cover the accident and a plaintiff must rely on the at-fault driver’s individual insurance;
- When a driver is waiting for a match, the coverage is for $25,000 in property damage, $50,000 per person, and $100,000 per accident for bodily injury;
- When an Uber driver has a passenger or is matched with one and on the way, the insurance policy is for $1,000,000 per accident.
Uber’s policies are largely similar to those of Lyft. Peopled injured in rideshare accidents in Johnstown should consult with a local attorney about the impact of the company’s insurance coverage.
Filing a Claim Within the Time Limit
According to 42 P.S. § 5524, there is a two-year statute of limitations on personal injury cases. Cases against Uber or Lyft must be filed within that timeframe or they could be lost forever. Rare exceptions may extend this time limit, but nearly all cases are subject to this limitation.
A plaintiff should not wait to contact a competent Johnstown attorney after an Uber/Lyft accident. The sooner an injured party gets started on his or her the better opportunity he or she has to pursue financial compensation.
Contact a Johnstown Uber/Lyft Accident Attorney Today
Car wreck cases involving Uber or Lyft drivers are complex, as there are multiple potential sources of recovery that could be stacked. Attempting to recover compensation without guidance from a legal professional could result in you not being awarded all that you are owed. Contact an experienced Johnstown Uber/Lyft accident lawyer at Marcus & Mack today for help with your case.