Getting the Most from an Uber or Lyft Accident Claim

woman waiting for rideshare

Transportation network companies (TNCs) — commonly known as rideshares — have completely revolutionized the way we get around. Companies like Uber and Lyft have disrupted the taxi industry and brought us a more convenient way to travel in metropolitan areas. Unfortunately, what you gain in convenience may be hindered by a personal injury accident. On the upside, Uber and Lyft have generous insurance policies that may cover passengers who become injured while using their services. For the best chance at obtaining the largest recovery possible under these policies, it’s vital to work with an Uber accident lawyer in Orlando who understands the intricacies of Florida’s rideshare laws.

Immediate Steps After an Uber or Lyft Accident

The steps you take right after experiencing an injury accident inside an Uber or Lyft can make or break your accident case. Be sure to take the same steps you would take after any other car accident, while also saving key information from your Uber or Lyft app that proves you used their service.

  1. Take down the driver’s information and that of anyone else involved.
  2. Take screenshots of your receipt within the app.
  3. Report the accident within the app.
  4. Take photos of all vehicles involved.
  5. Take photos of your injuries.
  6. Seek medical treatment for your injuries.
  7. Contact an Uber accident attorney.

Determining Liability for the Rideshare Accident

Passengers, other drivers, pedestrians, and anyone else injured by an Uber or Lyft driver might be covered under the rideshare company’s generous $1 million insurance policy only if the rideshare driver was liable for the accident. An experienced rideshare accident lawyer will conduct the necessary investigation to pinpoint the individual responsible for the collision.

The coverage you may be entitled to varies based on the rideshare driver’s status in the app at the time of the crash. A capable attorney can retrieve this information to ensure you are appropriately compensated for your injuries.

App is Open, Driver Awaits Ride Request

Uber provides drivers with a generous insurance policy which they may only use in certain situations. If a driver is online but has yet to accept a ride request, the rideshare company’s insurance policy covers him for any injury or damage he caused someone or something else. In this scenario, Uber’s insurance policy covers at least $50,000 in injury liability per person, with a maximum of $100,000 in total liability per accident. The policy also includes $25,000 in property damage per accident.

If, however, the accident was not the Uber driver’s fault, the injured party or parties must file a claim against the at-fault party’s insurance policy. In these cases, it’s crucial for Uber drivers to carry underinsured and uninsured motorist coverage.

Driver Headed to Pick Up Passenger

When a driver is on his way to pick up a passenger but has no passengers in the car with him, he is covered by Uber’s insurance policy for:

  • Liability to someone or something other than himself or his vehicle
  • Any injuries due to an uninsured or underinsured driver
  • Collision and comprehensive so long as he has this coverage on his personal policy

If all these conditions are met, Uber’s insurance covers up to $1 million for injuries to third-parties, such as pedestrians, property, or other drivers. The policy also includes $1 million in UM/UIM coverage and a contingent collision comprehensive coverage which is a no-fault coverage amount up to the actual cash value of the vehicle.

Ride in Progress, Passenger in Vehicle

When a ride is in progress and the passenger is in the vehicle, Uber’s policy limit of $1 million extends to the passenger. The policy includes one million dollars of coverage for uninsured or underinsured coverage, as well as a million in liability coverage. The uninsured and underinsured motorist coverage may cover a hit-and-run accident where the at-fault party is nowhere to be found.

Driver Offline

A driver who is not actively seeking rides or engaged in providing rides, who is not signed into the Uber app and is using his vehicle for personal purposes is not protected by Uber or Lyft’s insurance policy and must rely on his own personal auto insurance policy should he become injured or experience property damage.

Filing an Uber or Lyft Accident Claim in Orlando

Filing an Uber or Lyft accident claim can be more complex than filing a claim with your own insurance company. These multi-billion dollar companies might provide great insurance coverage, but will fight to avoid issuing compensation. When you have suffered from an Uber or Lyft accident, it is vital to work with a car accident lawyer who understands how to apply Florida’s rideshare laws to benefit your case.

At The Umansky Law Firm, we have helped Orlando residents hurt in Uber and Lyft rides recover fair compensation to help them cover the costs of medical bills, lost wages, pain and suffering, and other applicable losses. Call our team of rideshare accident lawyers at 407-228-3838 or email us for a free consultation.