Understanding Uber’s Insurance Coverage After an Accident
In recognition that car accidents are one of the leading causes of preventable injuries in the country, year after year, Uber, Lyft, and other rideshare companies have invested in purchasing good insurance policies. The coverage provided through these policies can help pay for the damages incurred in a rideshare accident, whether caused by the driver, another motorist, or a third party. However, the coverage is not guaranteed, and it changes depending on the exact details of each specific crash.
Uber’s insurance policy is sorted as such:
- No coverage: Uber accepts no accountability for a rideshare driver not using the app when a crash occurs. If this happens, all parties who believe they are owed compensation must use a typical car accident claim.
- Some coverage: If a rideshare driver gets into an accident while using the app but has not accepted a fare yet, Uber can provide some coverage. At this point, Uber can offer a policy of up to 50/100/25 in coverage. However, in most cases, the rideshare driver’s privately owned policy will need to be used and exhausted first.
- Most coverage: After an Uber driver accepts a fare, whether that passenger is in their vehicle or en route to pick them up, Uber can provide its most extensive insurance coverage. In this phase, Uber can use a $1,000,000 third-party liability policy, uninsured/underinsured motorist bodily injury coverage, and contingent comprehensive and collision coverage.
Lyft also has a similar insurance policy, which gives the most coverage after a Lyft driver accepts a fare. Our rideshare attorneys are familiar with how both companies handle accident claims, so you can count on us for legal counsel regardless of whether the rideshare company employed the driver who hit you or got into a crash while you were in their rideshare vehicle.
Building Your Rideshare Accident Claim with Essential Evidence
Evidence is critical to winning a difficult car accident claim. There might be more evidence than normal in a rideshare accident claim due to the rideshare company’s involvement. For example, each ride arranged through a rideshare app should be given an identifying number. Rideshare drivers also have unique IDs and profiles that can keep track of their driving history with that company, including complaints of bad driving submitted by other passengers.
Our attorneys could use this information to build your claim on a solid foundation. Please let us know if you can forward us any information you have about the rider’s and driver’s unique IDs.
Contact Our Atlanta Rideshare Accident Attorney Today
Uber and Lyft have the resources to fight claims they do not want to accept, even if they can quickly pay for the damages demanded. Let our Atlanta rideshare accident lawyers help you stand up to them. From the start of your case to its conclusion, we will be fully committed to your success and total recovery.
Contact The Roth Firm, LLC today to meet with our rideshare accident lawyer in Atlanta!
