Rideshare companies like Uber & Lyft are a convenient, reliable, and safe way to travel. While most people have embraced this affordable method of transportation, rideshare vehicles carry the same risk of car accidents as other vehicles on the road.
What happens if Uber or Lyft gets into an accident? Can you sue Uber or Lyft if you are the victim of a car accident with either company? If you are injured in a car accident involving an Uber or Lyft driver, you have a legal right to seek compensation. However, Uber and Lyft’s available insurance and your ability to recover damages is dependent on the particular scenario.
Scenario #1: The Uber or Lyft driver’s app is on and they are actively transporting a passenger who has booked a ride through the app.
If you are struck by an Uber or Lyft vehicle while driving under this scenario, Uber and Lyft’s insurance policy of $1 million applies. Depending on the severity of your injuries and damages, you may be entitled to up to $1 million.
Scenario #2: The Uber or Lyft driver’s app is on and they are en route to pick up a passenger.
If you are struck by an Uber or Lyft vehicle while driving under this scenario, Uber and Lyft’s insurance policy of $1 million applies. Depending on the severity of your injuries and damages, you may be entitled to up to $1 million.
Scenario #3: The Uber or Lyft driver’s app is on but the driver is waiting for a ride request.
If you are struck by an Uber or Lyft vehicle while driving under this scenario, Uber and Lyft’s insurance policy covers $50,000.00 per person for bodily injuries (with a maximum limit of $100,000.00 per accident for bodily injuries) and $25,000.00 per accident for property damage.
Scenario #4: You are a passenger in an Uber or Lyft during an active ride and your driver causes a car accident.
If your Uber or Lyft driver is at fault for an accident and you have suffered injuries as a passenger, Uber and Lyft’s insurance policy of $1 million applies. Depending on the severity of your injuries and damages, you may be entitled to up to $1 million.
Scenario #5: The Uber or Lyft driver’s app is off.
If the driver was driving their vehicle but their app is not turned on, the driver is officially not working for Uber or Lyft. Instead, they are using their vehicle for personal use and their own insurance policy will apply. In this scenario, you will need to pursue compensation from either the driver’s personal insurance or your own insurance company. Navigating Uber and Lyft’s insurance coverage under each scenario can be complex and overwhelming. Whether you are injured as a passenger in an Uber or as another driver on the road, it is important to know your rights. Hiring an experienced Uber and Lyft car accident lawyer at Platinum Injury Law will ensure that you receive the maximum compensation that you deserve.
Navigating Uber and Lyft’s insurance coverage under each scenario can be complex and overwhelming. Whether you are injured as a passenger in an Uber or as another driver on the road, it is important to know your rights. Hiring an experienced Uber and Lyft car accident lawyer at Platinum Injury Law will ensure that you receive the maximum compensation that you deserve.
