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Uber, Lyft and Rideshare Accidents

Filing an Uber or Lyft accident claim is the first step in making sure you receive a fair settlement for your ride-sharing injury.

Uber, Lyft and Rideshare Accidents

Were you injured in a Ridesharing, Lyft, or Uber accident in Phoenix? Are you trying to figure out how to sue Uber or Lyft for your injury? Filing an Uber or Lyft accident claim is the first step in making sure you receive a fair settlement for your ride-sharing injury.

With the rise in popularity of rideshare companies like Uber and Lyft in urban areas, personal injury claims involving Uber and Lyft drivers have begun cropping up across the United States. The technological advancements employed by ridesharing services are unprecedented and the due to this innovation, legislators see the need for new laws regarding ridesharing company liability.

If you were injured in a car crash involving Uber or Lyft, call Curiel & Runion for a free consultation.

Uber and Lyft Accident Claims: Who’s At Fault In a Rideshare Crash?

A driver offering a personal ride-sharing service, like Uber or Lyft, probably thinks they would be covered under their personal automobile insurance policy in the event of an accident.

As it turns out, they wouldn’t be. A person who is found to be operating their vehicle for profit via Lyft, Uber, or another ride-sharing company would nullify their insurance policy if they were in an accident. A passenger who was injured might have a hard time being compensated for medical bills and other expenses if there is no insurance company to cover the claim.

If you need to get in touch with a Lyft or Uber Accident Lawyer in Phoenix, feel free to reach out to our team at Curiel & Runion. We provide free case evaluations for ride-sharing related injuries from auto accidents. You may be entitled to a Lyft or Uber accident settlement for your injury.

How Do Rideshare Accidents Differ from Other Kinds of Car Accidents?

When you are injured in a car accident by a negligent driver, determining liability is much simpler. The three reasons these types of accidents involving ridesharing services are different are explained below.

Insurance Policies –

Ridesharing drivers are required to maintain a minimum level of liability coverage for their cars to qualify as an Uber or Lyft driver. Additionally, Uber provides their drivers with a $1 million liability policy for verifiable trips. However, if your trip were unable to be verified for any reason, the driver’s personal auto insurance would be the limit of recovery. Some insurance policies list exclusions like driving-for-hire/commercial driving in their policies. These exclusions could be overlooked during the hiring process, which may lead to complications when filing a personal injury claim.

Uber & Lyft Employ Untrained Drivers –

When you get into the car with an Uber or Lyft driver, you are essentially being transported by an untrained commercial driver. Uber and Lyft does not offer commercial driving training to their drivers, and the screening process is not thorough. Furthermore, rideshare apps require their drivers to use cell phones to accept trips, sometimes even during their drive. This practice leads to distracted driving. Countless studies have the shown the dangers of cell-phone use while driving.

Independent Contractors –

Lyft and Uber claim their driver are not employees but are instead “independent contractors.” Uber and Lyft makes this claim to distance their company from their drivers, which they use to deny liability when their drivers cause injuries to the public.

Ridesharing Insurance

For most ridesharing services like Uber and Lyft, insurance coverage is structured in three parts. Drivers are covered by their own personal auto insurance when they are not at work, and are covered by their own insurance and their ride-sharing service’s contingent liability coverage, which includes up to $50,000 per injury and $25,000 in property damage, when they are driving with their app open but don’t yet have a fare.

Uber & Lyft Insurance Policy

Both Uber and Lyft offer $1 million in excess liability insurance coverage through James River Insurance Company that is in effect from the time a driver accepts a ride request until the ride is ended. The coverage is in place because many personal auto insurance policies are voided when drivers are using their vehicle in order to make money.

If Uber and Lyft drivers have a passenger, they are covered by a $1 million liability coverage as well as a $1 million uninsured/underinsured policy, in case of an accident with a driver without adequate insurance.

Uber Insurance Policy from the company's website.

Lyft Insurance Policy from the company's website.

Arizona insurance companies are also beginning to offer rideshare insurance as a coverage option for rideshare drivers.

Injured in an Uber or Lyft Accident?

Phoenix is one of the busiest cities in the country, making it a big lure for ridesharing services.
Passengers can avoid having to navigate rush-hour traffic by using the apps, which are also a convenient option for shopping, getting to the airport or snagging a ride to work if your car is in the shop and you aren’t offered a rental.

If you were injured while taking an Uber or Lyft or were in a traffic crash with one of their drivers, you deserve to be adequately compensated for your injuries. As a passenger injured in a ridesharing accident, it can be frustrating to have your claim denied or to be offered inadequate insurance settlements. Let our skilled Phoenix car accident attorney help you get the compensation you need after your injuries.