Ride-sharing services become more popular every year. Not only are they convenient and often cost-effective, but they also offer safe rides for people that have been drinking.
However, Uber and Lyft drivers are at the same risks as every other motorist on the road. So what happens if you are a passenger in a ride-sharing car accident?
A few questions you may have are:
- Do I need to document the crash?
- Do I need to contact my insurance agency?
- Do I need to hire a lawyer?
- Am I responsible for any damages?
- Will I have to appear in court?
What To Do If You’re In A Ride-Sharing Car Accident
According to Uber and Lyft, drivers must submit background checks and pass safe driving checks. They both have minimum age requirements on cars and employ incident response teams.
Uber brands itself as a safe ride-sharing company, “dedicated to keeping people safe on the road.” At Lyft, “safety is [their] top priority and it is [their] goal to make every ride safe, comfortable, and reliable.”
However, accidents still happen. If you are ever in an accident while using a ride-sharing service, it’s important to know what steps to take to ensure you are protected in the event of a claim.
The first step you should take if you are in a ride-sharing car accident is to seek medical attention. Even if you, the other passengers, the ride-sharing driver or those in the other vehicle are not injured, it’s still wise to call 911 and have a medical examination.
If you are able, use your phone to take photos and video of the crash site and damaged cars. Additionally, take the following notes on your phone:
- Your Uber or Lyft driver’s name and information
- Names, contact information and insurance information of any other involved parties’
- Contact information for any witnesses to the crash
If a claim arises, this information will prove beneficial when seeking compensation for injuries or other losses caused by the accident.
How Do I Seek Damages In An Uber Or Lyft Car Accident?
Both Uber and Lyft possess liability insurance for this very reason. Lyft’s liability coverage is designed to act as the primary coverage for passengers, from the time they accept a ride request to the time to they reach their destination. The policy covers up to $1,000,000 per accident.
Uber has a $1 million insurance policy that covers incidents that occur between accepting the trip to the conclusion of the trip. If another driver causes an accident but lacks adequate insurance, Uber’s policy covers bodily injury of anyone in the vehicle up to $1 million.
Ride-sharing services have been met with their fair share of scrutiny and controversy. They are still relatively new, and legislation regarding accident liability for this type of transportation is still evolving.
Several insurance companies, such as Geico, Farmers and State Farm, have expanded their policies to cover rideshare drivers in certain states.
However, there’s still a large gray area when it comes to ride-sharing insurance.
It basically comes down to this: when you are using the Uber or Lyft app, you are covered by their insurance. As soon as the app is no longer in use, you are covered by your own insurance.
As you can see, a ride-sharing car accident case could be complex. Hiring a competent personal injury attorney to navigate you through this rocky terrain can save you stress and time.
If you have been injured in an Uber or Lyft accident in the Dallas area, contact a qualified personal injury attorney like Amy VanDeLoo. The VanDeLoo Firm can help you receive fair compensation for your injuries. We serve the cities of Plano, Allen, Frisco and McKinney. Contact us today to schedule a free initial consultation.