Legal responsibility for a car accident involving a rideshare car depends on who was at fault for the accident and which work duties, if any, the driver was performing at the time of the collision.
Using a rideshare app to get where you are going can be much more affordable than paying for your own car payments and vehicle maintenance, but the medical bills from a car accident are enough to put a major dent in anyone’s finances, regardless of who owns the car. Rideshare companies like Uber and Lyft have enough insurance coverage to pay for accidents caused by their vehicles, but how much money is available for your claim depends on what the rideshare driver was doing at the time of the collision, as well as what you were doing. It is one thing if you are riding in an Uber car when the driver runs a stop sign and gets into a collision, but it is entirely another if the Uber driver is off duty, not even logged into their Uber app, when they hit your car. A Ponca City car accident lawyer can help you navigate all the complexities of legal responsibility for rideshare accidents and can maximize your chances of getting the best possible settlement.
When Does the Rideshare Company’s Insurance Cover Your Medical Bills?
If an Uber or Lyft driver causes an accident that results in you getting injured, then whether the driver’s own insurance or the rideshare company’s insurance is responsible for paying your claim depends on whether the driver was on duty. If the driver was on duty at the time of the accident, the amount of applicable insurance coverage depends on whether the driver was transporting a passenger. These are some common scenarios involving liability and rideshare accidents:
- If the driver did not have their Uber or Lyft app turned on, it is not the rideshare company’s responsibility. The driver’ own personal car insurance must pay.
- If the driver has their rideshare app turned on but has not accepted a ride request, the rideshare company’s insurance must cover up to $50,000 per person and up to $100,000 in medical bills per accident.
- If the driver causes an accident while on their way to pick up a passenger, the rideshare company’s $1 million policy limits apply.
- If the driver causes an accident while transporting a passenger, the rideshare company’s $1 million policy limits apply.
How to Protect Yourself When Reporting an Accident to a Rideshare Company
Rideshare apps like Uber and Lyft have online forms for reporting accidents. You should have a car accident lawyer help you draft the message you send when reporting your accident, so that you do not unknowingly admit that the accident was partially your fault.
Contact BDIW Law About Rideshare Accidents
If you were injured in a car accident involving an Uber or Lyft, a personal injury lawyer can help you file a claim and recover your accident-related losses. Contact BDIW Law in Ponca City, Oklahoma or call (580)765-9660.