From getting a lift home after a few drinks at a bar to hitching a ride to the airport for a business trip, there’s no doubt that rideshare businesses such as Uber and Lyft have changed the face of traveling–especially in a larger city like Philadelphia. A decade ago, getting a ride to a local concert would have required calling a taxi service and arranging for a ride. Now, finding a ride to your destination is just the click of an app away, revolutionizing the ease of getting from one place to another.
The rise of rideshare businesses such as Uber and Lyft have created a unique issue of how to handle car accidents involving one of these vehicles. If you have been injured in a car accident while riding in an Uber or Lyft, it’s critical to seek legal representation from a competent personal injury attorney who knows the ins and outs of accidents involving rideshare vehicles.
Stages of Insurance Coverage in an Uber or Lyft Accident
When it comes to traditional methods of travel such as taxis, how to handle injuries is already well-established–taxi companies must carry insurance sufficient to cover any injuries which occur to passengers of the taxi. Rideshare programs, however, do not follow this model, which creates a unique issue for attorneys who are representing victims of Uber or Lyft accidents.
Rideshare companies provide liability insurance to contracted drivers. This is secondary insurance in that it will only provide coverage after the driver’s insurance carrier denies a claim.
Business-provided insurance coverage for rideshare accidents doesn’t cover every potential accident scenario, however. Rideshare accident cases are complex in that there are different “periods” during a rideshare trip. The period in which your accident occurred determines whether the rideshare company will provide insurance coverage in the event of an accident:
- When a driver has not signed into the Uber or Lyft app, a rideshare company will not provide coverage during an accident.
- If a driver has logged into the app but is waiting to take on a ride request, a rideshare company will provide a small amount of insurance coverage for any accident that is the fault of the driver.
- When an Uber or Lyft driver is en route to pick up the customer, coverage increases dramatically.
- Insurance coverage from a rideshare program peaks when a customer is in the vehicle, with liability coverage increasing to $1 million and the provision of uninsured motorist coverage.
Injured in an Uber or Lyft Accident? We’re Here to Help
If you’ve been injured as a passenger of an Uber or Lyft accident, retaining legal representation from a seasoned car accident attorney can significantly increase your chances of obtaining a favorable outcome in a personal injury action. The team of accident attorneys at Gilman & Bedigian are not strangers to representing victims of Uber and Lyft accidents and are standing by to help you obtain the compensation you deserve after an accident that never should have occurred. To speak with a member of the Gilman & Bedigian legal team, fill out an online case evaluation form or call (800) 529-6162 today.