Our Nashville Car Accident Lawyers Provide Tips to Help You Handle a Ridesharing Collision
Ridesharing is a form of transportation that allows an individual to request rides from another person through an app. Although it has become an easy and convenient way to travel to your desired destination, ridesharing has sparked debate when it comes to being involved in an automobile accident while using the app.
Most people are unsure about how to proceed immediately following this type of collision. For this reason, our Nashville car accident lawyers at Mitch Grissim & Associates have provided some important information for both drivers and riders that may help protect your legal rights.
Vehicle accidents occur frequently, and it can be difficult to determine who is held responsible, especially when you have sustained injuries due to a negligent driver. If you or a loved one experienced injuries after an Uber or Lyft automobile accident, it’s imperative you know how to proceed.
Whether you were the driver or passenger, our law office helps victims of ridesharing accidents fight for their legal rights. Continue reading for tips after being involved in a ridesharing accident.
Business of Apps shared the following ridesharing statistics that show how popular the services have become:
- 15 million Uber trips are completed each day.
- Uber is available in 65 countries and over 600 cities worldwide.
- There are 23 million Lyft users.
- There are 1.4 million Lyft drivers.
Uber and Lyft continue to increase in popularity as more drivers and riders join daily. While ridesharing may seem to be a safer and more efficient transportation option, auto accidents continue to occur. For this reason, it’s essential to be informed about how to handle a ridesharing accident.
Steps to Follow After an Uber or Lyft Collision
The moments following any collision can affect your legal rights and any compensation you may be entitled to obtain. Whether you’re the driver or passenger of an Uber or Lyft vehicle, it’s important to keep the following steps in mind after an accident:
- Check to see if anyone suffered injuries.
- Call emergency responders and have a police report filed.
- Take photos of the scene of the accident and any injuries.
- Ask for contact information from everyone involved in the accident.
- If there were any witnesses, record their statements.
- File a report through the ridesharing app.
- Contact an attorney if you suffered injuries that were not your fault.
These suggestions may help protect both drivers and riders involved in an Uber or Lyft auto accident. However, filing a claim after a ridesharing accident can be more complicated than a regular motor vehicle accident. It will be to your advantage to consult an attorney who is familiar with the laws surrounding ridesharing in your state.
What to Do if You’re the Passenger
In order to obtain compensation in any type of vehicle accident case, you must prove who was responsible for the accident. Additionally, you will need to show that the damages you sustained were a direct result of another person’s careless behavior.
While filing a claim after an Uber or Lyft accident is similar in some ways to any other car accident claim, attempting to recover damages in a ridesharing case can be much more complicated. The difference in this type of case lies in determining whose insurance policy will cover your damages. Depending on when the accident occurred, either the driver’s personal insurance company or the rideshare company’s policy may be held liable.
If you were a passenger in an Uber or Lyft accident and suffered injuries, it’s best to contact an attorney who can review your case and determine who should pay for your damages.
What to Do if You’re the Driver
Both Uber and Lyft have insurance policies in place for drivers in case of an accident. However, drivers must also have their own personal auto insurance in order to drive for either of the ridesharing companies.
Each company has their own terms pertaining to the type of coverage they offer and the amount they will pay in case of an accident. If you were the driver in an Uber or Lyft accident, it’s essential to know the ridesharing company’s coverage, as well as your own personal insurance policy limits. After the accident, make sure to contact support in the ridesharing app and inform them of the wreck.
Below is an overview of the insurance available for both Uber and Lyft drivers. One thing to take note of is that coverage may not be exactly the same from state to state.
Insurance for Uber Drivers
If the accident occurs while you’re:
Offline or the Uber App Is Off
Your personal auto insurance will apply.
Available or Waiting for a Ride Request
- Third-party liability if your personal auto insurance doesn’t apply
- $50,000 in bodily injury per person
- $100,000 in bodily injury per accident
- $25,000 in property damage per accident
En route to pick up riders during trips
- $1,000,000 third-party liability
- Uninsured/underinsured motorist bodily injury
- Contingent comprehensive and collision up to the actual cash value of the car. There is a $1,000 deductible.
Insurance for Lyft Drivers
If the accident occurs while you’re:
Offline or the Lyft App Is Off
Your personal insurance policy will apply.
The App Is on/in Driver Mode
Lyft has four types of coverage available for drivers that are in effect from the time they accept a ride request until the time the ride has ended in the app:
- Primary liability insurance: This policy has a $1,000,000 per accident limit.
- Contingent liability
- Contingent comprehensive and collision
- Uninsured/underinsured motorist (UM/UIM)
To learn more about how and when you’re covered under Lyft’s four types of insurance policies, visit their website.
Whether you were the driver or passenger, understanding how to proceed after an Uber or Lyft accident may help protect your legal rights and any compensation you may be entitled to receive.
What Not to Do After an Uber Or Lyft Accident
Just as there are steps to protect your legal rights, there are actions that can damage your claim. Our Nashville car accident lawyers have shared three things you should NOT do after being involved in an Uber or Lyft accident:
- Do not apologize – Whether you’re the victim or the driver, do not apologize or admit fault. Allow the police to determine who is liable.
- Do not discuss details about the accident on social media – It’s best not to discuss any information about your accident on social media. This can impact your claim and result in little to no compensation.
- Do not give a recorded or written statement without speaking to an attorney – In many cases, insurance adjusters will ask for a recorded or written statement. However, giving a statement without first speaking to an experienced lawyer may damage your claim.
Ensuring you avoid these actions after a vehicle accident may help your case should you decide to file for damages.
Contact Our Firm to Learn More About Your Legal Options After a Ridesharing Accident
Our legal team is fully prepared to handle ridesharing cases. With our help, you can trust that your case is in experienced hands.
Liability is an important aspect that must be determined in order to obtain compensation for injuries and/or damages. Yet, figuring out who is at fault is not always simple. While any car accident can present multiple issues, it can become even more complicated when you’re involved in an accident with a ridesharing vehicle.
The best decision you can make after sustaining injuries in an Uber or Lyft accident is to contact an experienced Nashville car accident lawyer who is familiar with this type of case.