Major rideshare companies like Uber and Lyft provide insurance coverage for their drivers and passengers. Their websites have pages of text explaining what happens when a passenger is in a rideshare accident.
What if you’re on the other side of the accident? What if you’re minding your business when your vehicle is struck by a rideshare driver?
After the Crash
Rideshare accidents are handled much like any other. To make any kind of claim, you must demonstrate that you were not responsible for the accident and that you or your property suffered damages.
After an Uber or Lyft accident, do everything you normally would after a car accident. Exchange insurance information with both the other driver and their passenger. Make sure the rideshare driver goes into their app options and notifies the company that there’s been an accident. This will provide information telling you how to proceed.
While it’s tempting to assume an Uber or Lyft logo in the window means a larger settlement, it largely depends on what the driver was doing at the time of the accident.
If an Uber driver didn’t have their app open at the time of the crash, treat it like a regular accident. The driver’s rideshare status does not come into play.
If an Uber driver had their app open, they receive third-party liability insurance. If a passenger was in the vehicle, they have comprehensive and collision coverage as well.
However, it’s important to note that Uber and Lyft insurance policies only apply when the driver’s personal insurance is insufficient to cover the damages. This means that rideshare accident insurance is normally reserved for severe and fatal accidents.
If you or someone you love suffered serious injuries in a rideshare accident, you might have a case. If you’d like an Atlanta personal injury attorney from Buddoo and Associates to evaluate your case, please call (404) 800-3755 or send an email.