FREE CASE EVALUATION
If you’ve needed to get somewhere fast in the past couple years but you didn’t have a car handy or you wanted to make a one way trip somewhere too far to walk, odds are you probably got a ride from Uber or Lyft. Maybe you didn’t get an Uber, but instead decided to go with the services of a similar competitor of theirs like Lyft or even Curb all through the convenience of a phone app. This is the phenomenon of ridesharing.
Thanks to these revolutionary new services, the taxi is ready to go the way of the dinosaur but in the end you are still traveling via car and all the same risks still apply. That means that an accident can happen while you are being whisked away to whichever destination you have specified. this begs the question of what happens if you do happen to get in an accident while in an Uber or similar rideshare service? Better yet, what happens if you happen to get injured in an Uber accident? Contact our Uber Ride-Share Car Accident Lawyers to learn more.
If you find yourself asking these questions after being involved in an Uber or similar rideshare provider accident, then don’t hesitate to contact Jorgensen Law, Rideshare Accident Lawyers San Diego about receiving a free consultation on your Uber accident claim. Our skilled Uber and Lyft car accident lawyers have the experience in handling rideshare cases that you will need to secure the compensation that you deserve.
At Jorgensen Law, we provide you with the guidance you need for a successful personal injury claim. Our experienced attorneys will take care of everything and keep you informed every step of the way.
At our firm, you will never have to deal with any part of the personal injury claim process on your own, and you will always have a knowledgeable attorney right at your side.
Jorgensen Law can represent you during your personal injury case and significantly increase your chances of obtaining the maximum settlement possible.
Both Uber and Lyft have very similar insurance coverage plans in the event that there is an accident involving a vehicle using their service. They are both required by the state to provide a minimum of coverage, and they do follow those requirements but there is still a great deal of confusion over how exactly the insurance coverage works depending on the accident situation. The differences in coverage can be split up into several different situations of app usage and ride status.
1. Uber or Lyft car accidents when the rideshare app is off and inactive
Since the rideshare app is off and not being utilized at all, then the driving of the vehicle is considered to be of the driver’s own personal use. Therefore, it is up to the driver to use their own insurance plan for the accident since there is no involvement at all by whichever rideshare app they utilize. Also, both Uber and Lyft require drivers that utilize their app to have their own insurance plans for cases like this and some of the following situations.
2. Uber or Lyft car accidents when the rideshare app is on and the driver is idle and waiting for a ride request
In this case, the application is on and the driver is actively using whatever rideshare service to look for ride request. If a driver gets into an accident while they are actively searching for a ride request that is their fault, then the rideshare service’s insurance will cover liability damage with $50,000 for injuries per person and $100,000 total for the accident with $25,000 for property damage.
However, this coverage is only available if the driver’s personal insurance does not provide an equal or greater level of coverage. The driver’s own insurance will have to take care of any damages to them like collision damage to the car, medical expenses caused by injuries, and any lost wages due to the accident and/or injuries sustained from the rideshare accident.
It should be noted that a driver’s personal insurance may deny a claim if they have a policy where they do provide coverage if the vehicle was being used in a money earning capacity. It’s because of this that many drivers opt to get their own rideshare insurance which covers them for this specific period of time while they are working.
3. Uber or Lyft car accidents when the driver accepts a ride request and is en route or from when the passenger gets in the vehicle to when they exit
From the moment the driver accepts a ride request via the rideshare app to the moment a passenger disembarks the vehicle, the rideshare service provides coverage for both the driver and the passenger. Uber and Lyft both provide third party liability coverage of at least 1 million dollars per accident for damages to another driver, pedestrians, passengers, and property.
Uber and Lyft provide uninsured or underinsured motorist bodily injury coverage of at least 1 million dollars. This insurance coverage covers anyone in the vehicle when another motorist is at fault and either does not have insurance or does not have enough insurance to cover the damages they caused to the people in the other vehicle. This insurance also covers hit and runs where the at-fault driver cannot be found.
If a driver has collision coverage in their personal insurance for when they are not providing rideshare services, then they are eligible for contingent collision and comprehensive coverage. The coverage limit is limited up to the cash value of the vehicle with a $1000 deductible
Your first priority is safety. Never get out of your car in the middle of a busy road and move only if it is safe to do so. If anybody was injured, call the paramedics. Even if your injuries seem minor, don’t disregard them because they may be more serious than they first appear.
Second, document everything about the accident. The information you collect following the accident may be used to support your claim down the line. You want your Uber accident lawyer in Los Angeles to have as much legal firepower to go on as possible. If the accident occurred during period two, immediately snap a screenshot of the app for the sake of proof. It makes it easier for your lawyer to fight for you.
After you have done this, you should take the same measures that you might after a typical car accident. Collect insurance, contact and license plate information from all involved drivers. Also, speak to any witnesses and ask them politely for their contact information. Usually, you will want to call the police as well and have them file a police report, which your lawyer can use later as evidence.
Third, you should seek medical treatment, if injured. Whether you have a minor injury or something even more serious, you typically want to get medical treatment because it will lay the foundation for your personal injury claim. Without medical treatment, your attorney will have a much harder time proving the full extent of your injuries. The more documents you have of your injuries, the better for your case and the higher your potential compensation.
Finally, speak with a rideshare accident lawyer. If you have been in an Uber accident in San Diego, you should speak with an attorney as soon as you can. A delay can prolong your pain and damage your health. You also want to schedule treatment as soon as possible because otherwise it can compromise or lead to lost evidence. After all, memory tends to fade with time. Last but not least, if you fail to meet the statue of limitations for your claim, you will lose the right to pursue compensation altogether.
If you delay your legal consultation, essential evidence might disappear, and you may wind up making a costly error that your attorney could have helped you avoid. The San Diego rideshare accident lawyers at Jorgensen Law Personal Injury Lawyers will handle the logistics of your case and perform an immediate investigation into your accident to gather evidence before it becomes unavailable. Our Uber and Lyft lawyers will also explain the steps you must take and the mistakes you must avoid to give your claim the best chance of success.