With the advent of ridesharing services like Uber and Lyft, it’s important to know your rights if an Uber/Lyft- related accident occurs. Questions like “Will my injuries as a passenger be covered in an accident?” and “If I’m an Uber or Lyft driver, what situations are covered by the company’s insurance and what am I responsible for?” are common in an Uber and Lyft-related accidents, and our Uber accident lawyers in Los Angeles can help you handle such a situation.
- As An Uber/Lyft Passenger: Both ridesharing companies offer up to $1 million in uninsured and underinsured motorist insurance coverage for passengers. This means that there will be up to $1 million coverage for your damages regardless of who was at fault for causing the accident. So when you are injured in an accident while travelling in an Uber or Lyft, you should seek medical attention as soon as possible. When the time comes to pursue damages, our Uber accident lawyers will negotiate with the insurance company for the ridesharing service and/or the other vehicle(s) involved in the accident to get you full compensation for your injuries.
- As A Driver In An Accident With An Uber/Lyft Driver: Your best bet here is to make sure you obtain both the driver’s personal insurance information as well as his or her ridesharing information. Who pays for your damages depends on what phase of the job the ridesharing driver was in. Our lawyers want to make sure you get compensation for your damages, but Uber and Lyft don’t cover all situations, so we may have to file a claim with the other driver’s personal insurance. Even if you don’t obtain information for both the driver’s personal and Uber/Lyft insurance, we will get the information and handle your claim for you.
- As An Uber/Lyft Driver: Your situation is slightly more complicated. As a ridesharing driver, either your personal insurance company or your insurance with Uber/Lyft will cover the accident depending on what “period” you are in. Here is a detailed breakdown of whose insurance covers what:
Ride-sharing Insurance Breakdown
Both Lyft and Uber separate their insurance coverages into three distinct time periods for drivers. Each of these time periods has different insurance coverages.
- Period 1: The driver is offline. When the driver is offline, he or she is only covered by the driver’s personal insurance policy. If you aren’t logged in on Uber or Lyft, you are considered off the job so any claims are covered by your personal automobile insurance.
- Period 2: The driver is online and awaiting a fare. Period 2 is when the ride-sharing service’s insurance coverage kicks in. If you are online and awaiting a fare and get into an accident, both companies offer 50/100/25 liability coverage. This means that liability limits of $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage, are covered by each company.
- Period 3: The driver has accepted a fare and is either en route to the customer, or has already picked them up and are heading to the destination. During Period 3, the time between receiving a ride request and dropping off the passenger(s) at their destination, both Uber and Lyft offer $1 million in liability, uninsured, and underinsured coverage, along with differing comprehensive and collision coverages.
What Can an Uber or Lyft Accident Attorney Do For Me?
What are your rights in an Uber or Lyft-related accident as a passenger or a driver? While the guidelines described above may seem confusing, companies like Uber and Lyft have only been around since 2009. The laws and regulations governing Uber and Lyft aren’t even a decade old and are still a “work in progress.” With many legal gray areas, it’s especially important that you are represented by our Uber accident attorneys, who are not only knowledgeable and experienced in ride-sharing litigation, but also aren’t afraid to challenge the billion-dollar insurance companies to make sure you get the compensation you’re entitled to. That’s why West Coast Trial Lawyers should be your go-to law firm if you are involved in an Uber or Lyft accident in Los Angeles. Our team of trial lawyers have experience handling ride-sharing cases and will fight for the restitution you deserve. If you’ve been injured in an Uber/Lyft-related accident, you may be entitled to compensation for medical bills, lost wages, pain and suffering, and more. Call today at (888) 888-9285 for a no-obligation consultation to find out what your claim is worth.