In recent years, rideshare services like Uber and Lyft have become a popular transportation option. However, with the increasing number of rideshare vehicles on the road, accidents involving these services have also risen. If you’re involved in a car accident with a rideshare vehicle—whether as a passenger, driver, or pedestrian—you may wonder who is responsible for covering damages. The answer depends on the specific circumstances of the accident and the roles of those involved.
Determining Liability in Rideshare Accidents
When a rideshare vehicle is involved in an accident, determining liability can be more complex than in a traditional car accident. Several factors play a role, including the status of the rideshare driver at the time of the accident and their insurance coverage.
1. Was the Rideshare Driver “On the App”?
Rideshare drivers are only covered by the company’s insurance when they are actively using the app. This means:
- If the driver is offline and not accepting rides, their personal auto insurance applies.
- If the driver is logged into the app but not carrying a passenger, limited liability coverage is provided by the rideshare company (e.g., $50,000 per person for bodily injury, $100,000 total per accident, and $25,000 for property damage).
- If the driver has accepted a ride or is transporting a passenger, the rideshare company’s commercial insurance usually covers up to $1 million.
2. Who Was At Fault?
Liability often depends on who caused the accident. If another driver caused the collision, their insurance would typically be responsible for covering damages. However, if the rideshare driver is at fault, the above coverage rules apply.
3. What About Passengers?
As a rideshare passenger, you are generally protected by the rideshare company’s commercial insurance policy. This means that whether the rideshare driver or another motorist caused the accident, you should be covered for medical expenses and other damages.
Steps to Take After a Rideshare Accident
If you’re involved in an accident with a rideshare vehicle, here are some crucial steps to protect your rights:
- Call 911: Report the accident and seek medical attention for any injuries.
- Document the Scene: Take photos of the vehicles, damage, and any visible injuries. Get contact information for witnesses.
- Exchange Information: Collect the rideshare driver’s details, including their name, contact information, and insurance details.
- Notify the Rideshare Company: Report the accident through the rideshare app or their customer service.
- Consult a Car Accident Attorney: Rideshare accidents often involve multiple parties and insurance policies, making legal guidance essential to securing fair compensation.
The Role of Insurance Companies
Both rideshare companies and personal insurers may attempt to minimize their payouts in a claim. For example, a rideshare company might argue that the driver was not “on the app” during the accident to avoid liability. Having a skilled car accident attorney can help ensure your claim is taken seriously and your rights are protected.
Car accidents involving rideshare services introduce unique challenges in determining responsibility and navigating insurance claims. Whether you’re a passenger, another driver, or a pedestrian, it’s essential to understand your rights and the policies in place. In such situations, consulting a car accident attorney can help clarify your options and ensure you receive the compensation you deserve.
By following the appropriate steps and seeking professional legal advice, you can protect your interests and move forward after a rideshare accident.
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