Ridesharing services are growing in Dunwoody. Many people use Uber or Lyft for the convenience of an easy ride. But rideshare drivers are not perfect. Sometimes, they make mistakes that lead to accidents.
If you or a loved one were injured in a ridesharing accident, you probably have questions. You might wonder if you can recover money, and how much. What insurance is available? And can you sue the company? These are questions that a Dunwoody Uber and Lyft rideshare accident lawyer answer.
John Foy & Associates hold at-fault drivers responsible. If you suffered injuries, contact us today. We’ll go over the details and your legal options. Call (404) 400-4000 or contact us online for a FREE consultation.
Insurance Coverage for Uber and Lyft Accidents
Insurance coverage on a rideshare accident is complicated. Several types of insurance cover uber and Lyft drivers at different times. It all depends on the driver’s status in their ridesharing app.
We’ll look at Lyft’s insurance policies to understand coverage. You’ll need to know what insurance covers your accident. That’s where you’ll file your claim to seek compensation.
When the App Is Off
Rideshare drivers use their personal vehicles to transport people. So, the driver will use their car for everyday purposes when they aren’t working for Uber or Lyft.
If the driver’s app is off when they cause an accident, their own auto insurance applies. In Georgia, all drivers must have at least:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
These are the minimums. Uninsured motorist coverage is optional, but most drivers have it.
If the driver is “off-the-clock” when they cause your accident, you’ll file a claim with their own insurance company.
When Waiting for a Ride Request
If the driver is online but waiting for a ride request, their own insurance applies first. But many insurance companies will not cover ridesharing accidents.
If the driver’s insurance doesn’t apply, Lyft provides third-party liability insurance with:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
You can try filing a claim with the driver’s insurance. If the insurer rejects the claim, you’ll file with the company’s insurance company.
When Picking Up or Transporting Passengers
Lyft provides $1 million in third-party liability insurance when the driver is:
- On their way to pick up a passenger, or
- Currently transporting a passenger.
Some drivers will already have commercial insurance. Others might have personal insurance with ridesharing coverage. In either case, the driver’s insurance would apply first, and Lyft’s insurance would cover the rest.
A $1 million policy sounds impressive, and it can help you a lot. But it won’t necessarily be easy. The insurance company will work to protect its money. It’s best to work with a Dunwoody lawyer who can negotiate for a fair settlement.
Uninsured Accident Coverage
Ridesharing companies will provide uninsured/underinsured motorist (UM/UIM) coverage in some cases. UM/UIM might apply if:
- You were injured as a passenger in an Uber or Lyft vehicle, and
- Another driver caused the accident and didn’t have insurance.
Your own insurance company might also apply in an uninsured accident. Talk to a lawyer about the details, as this situation gets complicated quickly.
Responsibility in an Uber or Lyft Rideshare Accident
The driver who caused the accident is responsible for the damages. That driver’s insurance company should cover the costs. In an Uber or Lyft accident, the responsible party is usually the rideshare driver or another driver.
If you didn’t cause the accident, you can seek compensation for your damages under Georgia Code § 51-12-4. However, you will need to prove the driver’s fault in the accident. You’ll also need to confirm your damages.
Next, we’ll look at some ways to build your case.
Always Report a Car Accident
Always call 911 to report the accident. Also, call Lyft or Uber to report the crash. You’ll want to get a copy of the police accident report.
You will also need to report the collision to your own insurance. But avoid giving too much detail if you speak to any insurance company. Better yet, wait until you have a lawyer first.
John Foy & Associates can help you handle each step after your accident. Learn more during a free consultation. Call (404) 400-4000 or contact us online.
Document Your Accident Injuries
See a doctor as soon as possible after your accident. Even if you feel okay, get a physical exam. This is not a time to “tough it out.”
If there’s no documentation showing how injured you were, it can hurt your case. The insurance company won’t be able to evaluate your case and offer a fair settlement. In fact, the insurer will try to offer you much less without proof of your injuries.
Make sure you have proof that you saw a doctor. If you feel more pain later, go back to your doctor. Also, keep up with all follow-ups.
Other Important Steps to Take
Record as much information as you can at the scene like:
- The driver’s name, phone number, license number, and insurance information
- Names and contact information for witnesses
- Pictures of your injuries
- Photos of the accident scene
- Notes about the driver’s behavior
Document everything you can about the crash. Keep proof of every expense you have.
What Car Accident Victims Can Recover
As the victim of an accident, you have legal rights. You might be eligible for a full recovery of costs like:
- Medical bills
- Lost wages
- Property damage
- Pain and suffering
- Future medical treatment
If you lost a loved one in a rideshare accident, you might have a wrongful death claim. Talk to an experienced lawyer to know your full options.
Talk to a Dunwoody Uber and Lyft Rideshare Accident Lawyer Today
If you were hurt in a Dunwoody Uber or Lyft car accident, it’s crucial to know your rights. Talk to a lawyer who can help you get started today. You have limited time to file your claim, and waiting too long hurts your case.
John Foy & Associates has been helping accident victims for over 20 years. We have the knowledge and experience to win what you deserve. Reach out today to learn if you have a case.
Call (404) 400-4000 or contact us online today for a FREE consultation.