Uber and Lyft have become integral to daily transportation for many people. However, accidents involving rideshare vehicles introduce unique challenges. These answers to common questions about rideshare accidents can help anyone who has experienced one of these crashes.
What Should I Do Immediately After a Rideshare Accident?
After an accident involving an Uber or Lyft vehicle, check for any injuries and seek medical attention. Even if you feel fine, it is wise to have an evaluation as some injuries may not be immediately apparent.
Ask for an official police report to document the details of the accident; this can be a key piece of evidence. Gather contact and insurance information from all parties involved, including the rideshare driver. Photograph the scene to document the accident site, vehicle damage, and any visible injuries.
Finally, notify the rideshare company about the accident. Uber and Lyft have procedures for handling accidents and may offer insurance coverage.
How Does Uber and Lyft Insurance Work?
Rideshare insurance is designed to cover different situations depending on whether the driver is actively working. The coverage generally falls into three categories:
- App Off: When the driver is not using the rideshare app, their car insurance applies.
- App On (Without Passenger): When the driver has the app on but has not yet accepted a ride request, the rideshare company’s insurance provides coverage. This typically includes liability coverage, but the amount may vary.
- App On (With Passenger): When the driver is en route to pick up a passenger or has a passenger in the car, the rideshare company’s insurance provides primary coverage. This generally includes higher limits for liability, injury, and property damage.
What Types of Insurance Coverage Are Available?
Rideshare companies offer insurance coverage that may come into play after an accident:
- Liability Insurance: Covers damages to other vehicles and injuries to other people if the rideshare driver is at fault.
- Collision Coverage: Helps pay for repairs to the rideshare vehicle if it is damaged in an accident, regardless of fault.
- Comprehensive Coverage: Covers non-collision damages to the vehicle, such as theft or vandalism.
- Uninsured/Underinsured Motorist Coverage: Protects against damages caused by drivers who do not have sufficient insurance.
How Do I File a Claim After an Uber or Lyft Accident?
To file a claim after a rideshare accident, gather all relevant documentation, including the police report, medical records, and any communication with the company. Then, contact the insurance provider associated with the rideshare company. The rideshare company will often facilitate the claims process, but it’s important to stay on top of things.
If you were a passenger in the rideshare vehicle, the process may be slightly different. You will typically need to file a claim with the rideshare company’s insurance. If another driver caused the accident, you might also file a claim with their insurance company.
What Are My Legal Options if I Encounter Issues with Uber or Lyft Insurance?
You have several legal options if you encounter denied coverage or insufficient compensation. An attorney experienced in handling rideshare accidents can provide valuable guidance in that respect. They can establish liability, negotiate with insurance companies, and, if necessary, pursue legal action to seek fair compensation.
The Media Car Accident Lawyers at Eckell Sparks Represent Clients Involved in Uber and Lyft Accidents
The Media car accident lawyers at Eckell, Sparks, Levy, Auerbach, Monte, Sloane, Matthews & Auslander, P.C. have experience with rideshare accidents. To learn more, call our Media and West Chester, Pennsylvania, offices at 610-565-3701 or complete our online form. We serve clients in Delaware County, Chester County, and Montgomery County.