If you drive for Uber or Lyft, you’re responsible for your own safety as well as the safety of your passengers. However, getting behind the wheel always carries some risk. That’s why it’s important to be prepared if you’re ever involved in an Uber or Lyft accident while driving.
In the case of an Uber or Lyft related accident, there are four distinct time periods the driver should be aware of:
No Period: The driver is NOT logged into the ridesharing app. If they’re involved in a car accident during this time, they’re not considered to be driving with Uber or Lyft so their personal automobile insurance policy coverage applies.
Period 1: The driver is online and awaiting a request. If the driver gets into a car accident while online and awaiting a request, Uber and Lyft offer 50/100/25 liability coverage ($50,000 per person bodily injury, $100,000 per incident, and $25,000 for property damage).
Period 2: The driver has accepted a request and is on the way to pick up the passenger(s). In a Period 2 situation, Uber and Lyft offer $1 million in liability, uninsured, and underinsured motorist coverage, along with differing collision coverages.
Period 3: The driver has already completed the pickup and is en route to the destination. For a Period 3 claim, Uber and Lyft offer $1 million in liability, uninsured, and underinsured motorist coverage, as well as different collision coverages.
If you’re involved in a Lyft or Uber accident while driving for either service, it’s important to take the right steps to protect your safety and ensure you are set up for fair compensation.
Here are seven steps advised by a Los Angeles ridesharing lawyer to take if such an event occurs:
Step 1: If you or any of your passengers are hurt, call 911 immediately. Seek medical attention if needed and keep any medical documentation of injuries caused by the accident.
Step 2: Call the police and file a police report. A report will initiate an official investigation and can help establish liability and identify all responsible parties and witnesses in the case of an Uber or Lyft related accident.
Step 3: Gather information from all parties involved. Write down or take photos of their driver’s license, phone number, and insurance information. Make sure that you exchange information with your passenger(s) as well, before they leave the scene of the accident or get another Uber or Lyft. This will be essential to your claim and helpful for any Lyft or Uber accident lawyers involved in the case.
Step 4: Get contact information from any witnesses. Witnesses provide additional objective and unbiased perspective that can help defend your claim and establish legitimacy.
Step 5: Take pictures of any damages to the vehicles, location of the accident and traffic lights and/or signals before you leave the scene of the accident. Incorporating different angles and a full picture of the incident will help your claim.
Step 6: Do not speak to Uber or Lyft, or any insurance adjusters before consulting a Los Angeles ridesharing lawyer, as it can and will negatively affect your claim.
Step 7: Contact an Uber or Lyft accident attorney as soon as possible. An experienced Uber/Lyft attorney will guide you through the right steps to get the compensation you deserve.