The Uber and Lyft ride-sharing platforms offer an economical and convenient transportation alternative for many people. However, these benefits come at a cost as getting into a wreck with a rideshare vehicle might introduce new complexities into an already complicated process.
Insurance policies cover passengers when they are using Uber and Lyft, but whether and how much coverage the companies’ policies offer to other drivers depends on several factors. Consider speaking with a State College car crash attorney if you suffered injuries in a crash involving a rideshare vehicle. A State College Uber/Lyft accident lawyer could explain your rights and help you seek compensation.
How Does a Rideshare Driver’s Status Determine Company Coverage?
Just because a car has an Uber or Lyft logo does not mean that the company will cover damages in an accident involving the vehicle. The drivers use their personal vehicles which they are responsible for insuring. When employees are not working as a rideshare driver, their personal vehicle insurance covers any damages that arise from a crash.
Once a driver logs into Uber or Lyft, the commercial insurance policies go into effect as excess layers of coverage, on top of the driver’s personal policy. The coverage limits for a logged-in driver are $50,000 for bodily injury of one person, $100,000 aggregate for bodily injury of more than one person, and $25,000 for property damage.
The coverage increases when the driver accepts a ride. Uber/Lyft insurance provides $1,000,000 in liability coverage for death and injury, $1,000,000 in uninsured/underinsured motorist coverage, and property damage that covers the full value of the property minus a deductible. This coverage is available to anyone who suffers damages in a crash involving Uber/Lyft that happens between the time a driver accepts a ride request until the passenger leaves the vehicle.
Steps to Take After a Uber/Lyft Vehicle Crash
When a driver, a passenger, a cyclist, or a pedestrian is involved in a crash with an Uber or Lyft vehicle, there are certain steps to take that could be helpful in an eventual legal proceeding. Although the rideshare companies provide significant supplemental insurance, they will try to find reasons not to pay.
If possible, someone involved in a wreck involving a rideshare company should note the exact time of the accident. Because the ridesharing companies’ coverage depends on whether the driver has logged onto the app or has accepted a ride, the time when the accident occurred is critical. An experienced State College attorney could use the information to prove that the rideshare company’s insurance should cover the individual’s damages from the vehicle wreck. Rideshare passengers also could take screenshots of their engagement with the app to verify the driver’s status at the time of the accident.
Anyone involved in a vehicle crash should seek immediate medical care, even if the injuries do not seem serious. The more time that elapses between an accident and seeking medical attention, the easier it is for insurance companies to assert that the injuries are not genuine or are unrelated to the collision.
It is also critical to call the police and obtain a copy of the police report. Collecting the names and contact information of other involved parties and witnesses will also be helpful. If involved in an accident, it is unwise to discuss any aspect of the incident with an insurance company before speaking to a lawyer.
Get in Touch with a State College Uber/Lyft Accident Attorney
Establishing liability in a car accident in Pennsylvania is complicated, and when one of the involved drivers is working for Uber/Lyft, the complexity increases exponentially. Working with a seasoned legal professional could improve your chances of a favorable resolution to your civil case.