Common Causes of Uber and Lyft Accidents
At Begum Law Group, our car accident injury lawyers are experienced in handling Lyft and Uber accident claims arising from:
- Distracted Driving
- Fatigued/Drowsy Driving
- Reckless Driving
- Aggressive Driving or Road Rage
- Driving Under the Influence of Alcohol (DUI)
- Drugged Driving
- Failure to Yield the Right of Way
- Running Stop Signs or Stop Lights
- Failure to Maintain Vehicle
If you were injured in a Lyft or Uber car accident, whether you were the Uber or Lyft driver, the Uber or Lyft passenger, or in your own car, contact Begum Law Group today. We understand how frustrating car accidents are. Your vehicle may be totaled or too damaged to drive. You may be injured and out of work. Whatever your experience, we are here to help you through the insurance claim process. Our Uber accident attorneys will help you obtain the maximum compensation possible.
Uber Insurance Coverage
Uber has advertised that it has a $1 million insurance policy. However, that policy limit is only available in certain circumstances. If you were involved in an Uber accident, whether you were an Uber driver, an Uber passenger, or hit by an Uber, you should talk to an Uber accident attorney for help with the insurance claim process.
Uber’s accident policy depends on where the driver is in the trip and what they are doing. To begin with, Uber’s policy only takes effect when the driver is signed into the app and working. Just because a driver has an Uber sticker on their windshield, does not mean Uber’s insurance will cover the accident and your injuries.
When waiting for a ride request: Third-party liability up to $50,000 per person/$100,000 per accident for bodily injuries, and $25,000 per accident for property damage.
On the way to pick up a rider and during the ride: Third-party liability coverage up to $1 million; uninsured or underinsured motorist bodily injury coverage up to $1 million; and contingent collision and comprehensive coverage. As an Uber driver, you must have collision or comprehensive coverage on your own auto insurance policy for this to kick in. The coverage limit is up to the actual cash value of your vehicle, and there is a $1,000 deductible.
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Lyft Insurance Coverage
Similar to with Uber, Lyft’s insurance coverage depends on which phase of a ride the driver is in. If you are involved in a Lyft accident, whether you are in the rideshare vehicle or your own, call Begum Law Group to speak with a Lyft accident lawyer.
When waiting for a ride request: Contingent liability coverage up to $50,000 per person/$100,000 per accident for bodily injuries, and $25,000 per accident for property damage. This coverage kicks in when a driver’s personal insurance does not cover the incident or after a driver’s auto insurance covers up to its policy limit.
Between when a ride is accepted and when the ride ends: Primary liability insurance coverage up to $1 million per accident. However, if a driver carries commercial insurance, then Lyft’s liability insurance is in excess of the personal insurance coverage. Lyft has underinsured/uninsured motorist coverage with no deductible. There is contingent collision coverage and contingent comprehensive coverage, that kicks in if you carry collision or comprehensive coverage in personal auto insurance. There is a deductible of $2,500 to use Lyft’s comprehensive or collision insurance.
What Happens if Your Uber Driver Gets Into an Accident?
If you were involved in an Uber driver accident and you were hurt, you should call an Uber injury lawyer for help. At Begum Law Group, we are highly experienced in helping Uber car accident passengers obtain compensation for their injuries.
As an Uber passenger, you are covered by Uber’s third-party liability policy, which has a $1 million policy limit. However, you may also need to file a claim against the Uber driver’s personal auto insurance policy or a different at-fault driver’s insurance. Uber may only cover compensation above and beyond the at-fault driver’s policy limit.
Since the insurance claim process can be complicated after an Uber or Lyft accident, please do not hesitate to contact us for help. We will guide you through this process and handle all of the communication with the insurance adjusters. You should not have to worry about this while you recover. We will do everything we can to maximize your compensation and obtain a settlement quickly.
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What Happens if You Are in a Car Accident While Driving Uber?
As an Uber driver, your insurance coverage depends on a number of factors. At Begum Law Group, we will begin by determining where you were in the process. Were you signed into the Uber app? Had you accepted a ride request? Did you have a passenger in the vehicle?
If you were not signed in at the time of the accident, then you have to work with your own auto insurer. If you were at fault, the injured individuals would file a claim against your policy. If the other driver was responsible, then you will seek compensation against the at-fault party’s insurance.
If you were waiting for a ride request, and the crash was your fault, you still work with your insurer to cover your own injuries. However, if you injured a passenger or other driver, Uber’s third-party liability covers their injuries. The other injured individuals may still recover under your personal insurance first.
If you were on your way to pick someone up, or you had a passenger in the vehicle, then additional Uber insurance coverage may apply. Uber’s third-party liability covers other people’s injuries if you cause the accident. If another driver causes the accident, then Uber’s coverage may kick in after your own or the other driver’s.
No matter who is at fault for the crash, if you buy your own collision or comprehensive coverage, and your vehicle is damaged in the crash, then Uber’s insurance can help you get your vehicle repaired or replaced.
Whether or not you will receive an Uber accident settlement depends on several factors. It is a very confusing process to try and handle yourself. If you were in an accident as an Uber driver, do not hesitate to our Uber accident attorneys for help.
What Happens if an Uber or Lyft Driver Hits Your Car?
One moment you may be minding your own business and the next, a Lyft or Uber hits you. Before assuming you will sue Uber for the accident, call our Uber accident attorneys. The insurance claim process you face depends on whether you need to file a claim against the at-fault driver’s personal policy, Uber’s policy, or both.
If the driver was not signed into the Uber or Lyft app at the time, then you will deal with the driver’s personal auto insurance policy. When the drivers are not signed in to work, then the rideshare company’s policies are not in effect.
If the driver was signed in to work at the time, it matters whether or not they had accepted a ride request. When an Uber or Lyft driver causes an accident while waiting for a ride request, then you do not get the advantage of the $1 million policy. You will first need to deal with the at-fault driver’s policy and, then Uber or Lyft’s third-party liability coverage kicks in.
Between the time the Uber or Lyft driver accepts a ride request and the time the trip ends, you may have access to the $1 million policy. You may need to first seek an insurance settlement from the at-fault driver’s personal insurance. However, if your injuries are valued at more than the driver’s policy limit, then you can seek compensation from Lyft or Uber’s third-party liability policy.