Many people enjoy the convenience that Uber and Lyft offer. However, if you get into an accident while using a rideshare, the claims process can become complicated very quickly. In addition to the normal complexities of the claims process with two parties, there is now a third party involved.
What is a Rideshare Accident?
A rideshare accident occurs when the driver of an Uber, Lyft, or other rideshare company gets into an accident while you are a passenger in the car.
What Do You Do If Your Uber Crashes?
If your rideshare crashes, you should generally follow the procedure for all other types of car accidents.
How Common Are Rideshare Accidents?
It’s estimated that approximately 2 – 3% of all car accidents are rideshare accidents. If you were to take that statistic and apply it to Maricopa County, that would mean that 2,814 car accidents would be attributed to rideshares in 2019 alone.
Who Is Liable in a Rideshare Accident?
Because there is more than one party involved in a rideshare accident, determining liability can be difficult.
To explain this in the simplest way possible- Uber or Lyft (or another rideshare company) is usually liable if the driver is working for the company at the time. The driver is considered working if they are taking a passenger somewhere, looking for passengers, or otherwise doing an activity relating to their rideshare work, they are considered “working”. If the driver is just driving around for personal use, or taking passengers as a favor to friends, they are not considered working, so the rideshare company will not take responsibility.
In general, if you are injured in a rideshare accident, you are not considered at fault. You can seek damages from the rideshare company, the driver of the car if you feel that they personally endangered you, as well as damages from the driver of the other car, if they are at fault. Apart from that, each rideshare company will have their own individual rules concerning insurance, which are described in further detail below.
According to Uber, when an individual who contracts as a driver with Uber is involved in a car accident when they are not “working” for Uber, then Uber will not share in the responsibility for compensating victims. Any legal claim will be against the driver and their personal insurance, and who will be responsible for the damage if it is found that they were at-fault for causing the accident.
On the other hand, if the driver was “working” for Uber at the time of the accident, then Uber says that it will also be responsible, and their insurance may help to cover the resulting damage.
When an Uber driver is connected to the Uber app and is waiting for a ride request then Uber carries accident insurance for the driver which covers:
When an Uber driver is on their way to pick up a passenger or is actively on a trip, then Uber carries accident insurance for the driver which covers:
Similar to Uber, whether Lyft’s insurance covers and accident depends on whether the driver was “working” at the time of the accident and in what capacity. When a driver’s Lyft application is turned off or they are not online, Lyft is not liable for damages that result from accidents during this time. Instead, the driver is responsible and their own insurance may cover the resulting damages.
When a driver is connected to the Lyft app and is waiting for a fare but has not yet received a ride request, then Lyft provides contingent insurance if the driver’s own insurance does not cover accidents during this time. Lyft’s contingent insurance covers:
When a driver has accepted a ride through the time when the ride ends, Lyft’s primary liability insurance is active. Under this policy there is a $1,000,000 limit per accident.
Notably, if you are a passenger riding in a vehicle driven by a Lyft driver and you are in an accident where the Lyft driver was not at fault, and the at fault driver is underinsured or uninsured, then Lyft’s underinsured/uninsured liability coverage should help to compensate the driver and the passenger for bodily harm and property damage suffered as a result of the accident.
In addition to the accident insurance Lyft carries for its drivers, it also encourages its drivers to carry their own rideshare insurance and gives drivers incentive to do so by giving them additional money on eligible fares.
Veyo is a Non-Emergency Medical Transportation (NEMT) broker that contracts with governments to provide and manage rides for Medicare and Medicaid patients visiting their doctors. Like Lyft and Uber, Veyo’s drivers are independent contractors who get paid by the ride. Similar to Lyft and Uber, whether Veyo is liable for damages resulting from a driver’s accidents depends upon whether the driver was “working” and in what capacity.
For times when a driver is online but not actively giving a ride to a customer, drivers are required to carry their own additional insurance under their own policy. This is commonly known as a rideshare endorsement. For this Primary Auto Liability Insurance Veyo requires a driver to carry coverage of at least:
When a driver is on the way to get a customer or is giving a customer a ride, then Veyo’s Primary Commercial Insurance will cover any damages resulting from an accident. This insurance policy will cover:
Hospitals Near You
Depending on where you are in the Valley, here’s a list of some hospitals that may be close to you.
Get Help Now
At the Thompson Law Firm, we have more than 10 years of experience helping clients obtain compensation for their personal injuries from car accidents, including Uber and Lyft accidents. When you’re ready to talk, please contact our office to arrange a free initial consultation by phone or at our Chandler office.
If you have been in a car accident that is not your fault, contact Thompson Law Firm in Chandler, AZ to speak with an experienced personal injury attorney. We provide personal injury legal services to clients in the greater Phoenix area including Chandler, Gilbert, Mesa, Scottsdale, Tempe, Maricopa, Globe, and Queen Creek.
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