Rideshare accidents are more complicated than regular car accidents because there are multiple layers of insurance depending on what the driver was doing at the time of the crash. Understanding which insurance applies is critical to getting full compensation.
If the Uber/Lyft driver had a passenger or was en route to pick one up, the rideshare company’s commercial liability policy applies. Both Uber and Lyft carry $1 million in liability coverage during this period. That’s a significant policy, and it applies whether you were the passenger, a person in another car, or a pedestrian.
If the driver had the app on but hadn’t accepted a ride yet, coverage drops significantly. The rideshare company’s policy typically covers $50,000 per person in bodily injury during this “waiting” period. The driver’s personal auto policy may also be in play, though many personal policies exclude rideshare activity.
If the driver had the app off, it’s treated like any other car accident — the driver’s personal insurance is the only coverage available.
The insurance questions in these cases are exactly why you need a lawyer. There may be far more coverage available than you realize. When you’re hurt, call Kurt. (417) 553-4898. Free consultation.
Related Resources
- Car Accident Lawyer Joplin
- What Does a Personal Injury Lawyer Actually Do?
- Why You Should Never Accept the First Settlement Offer
If you’ve been injured, contact Benecke Injury Law at (417) 623-4000 for a free case review.