Uber, Lyft, and other ridesharing accidents are common, even in smaller cities like Stonecrest. When a ridesharing driver gets into an accident, it can be hard to know who’s at fault. But if you were injured in a ridesharing accident, you have a right to financial compensation.
Talk to a Stonecrest ridesharing accident lawyer today. You may deserve money to recover your medical costs, lost wages, and emotional suffering. At John Foy & Associates, we can help.
Our law firm has been helping accident victims for more than 20 years. We know what it takes to win cases, and each client’s story is personal to us. Call (404) 400-4000 or contact us online for a FREE consultation to get started today.
How Ridesharing Services Work
Ridesharing services are simple. Those who need transportation can request a ride through an app. Drivers pick up passengers and take them to their destinations. Then a ride is completed, payment happens through the app too.
Ridesharing is a second income source for many people around Stonecrest. People can drive for Uber or Lyft using their own vehicles and without any extra job training. While this structure works well as a part-time job, it’s also risky.
Ridesharing drivers are not employees. They work as independent contractors. If an accident occurs, drivers do not have the same legal protections as employees. That fact also means that seeking compensation is challenging.
How Insurance Covers Ridesharing Accidents
Insurance is more complicated with ridesharing accidents versus other crashes:
- When one driver hits another, the first driver is legally responsible. The injured driver can file a claim with the first driver’s insurance company.
- When a ridesharing driver is at fault, one of several insurance policies could apply.
The way a ridesharing accident happens determines the insurance coverage. While Uber and Lyft do have insurance for drivers, it doesn’t always apply.
Here’s how insurance works after a ridesharing accident, according to Lyft.
Driver Is Offline
All drivers must carry their own auto insurance. The amount must at least meet the state’s minimums.
In Georgia, the minimum coverage is:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
The driver’s own insurance applies if they are not “on the clock.” In other words, the driver is offline and not using the app to accept rides.
Coverage will depend on the driver’s policy. If the driver only has minimum coverage, that will limit what you can recover for your damages.
Driver Is Available
If the driver causes an accident while available in the app, but they haven’t accepted a ride yet, insurance is more complicated.
First, the driver’s own insurance will apply. But the insurance company might not cover an accident that involves ridesharing. If the driver’s insurer won’t pay, the ridesharing company’s insurance applies.
Lyft and Uber provide third-party insurance for this situation:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
You might need to determine which company will cover your accident. If you’re not sure, contact a Stonecrest ridesharing accident lawyer.
Driver Is Picking Up or Carrying a Passenger
If a driver is on the way to get a passenger or has a passenger, Uber and Lyft provide their full coverage.
Both companies offer a $1 million policy for drivers. However, that doesn’t mean you will have full access to that amount. The insurance company will fight to protect its money, so you can probably expect a lowball offer.
John Foy & Associates can protect your rights. We know how to build strong cases and negotiate a fair recovery. To learn more during a FREE consultation, call (404) 400-4000 or contact us online.
Actions to Take After a Ridesharing Accident
You can start protecting your rights after a ridesharing accident. Here are some steps that will help you build an injury claim after the crash.
Address Your Injuries
Your well-being is the most important after an Uber or Lyft accident. If you have severe or life-threatening injuries, call 9-1-1 for an ambulance. Don’t wait to get medical attention. Also, help anyone else with serious injuries get treatment at the scene too.
If you don’t need an ambulance, see a doctor as soon as possible after leaving the scene. Waiting too long to get treatment will hurt your case.
The insurance company will look for proof of your injuries. If the adjuster sees you waited too long to get treatment, they will doubt your injuries. Waiting to get help can significantly reduce your compensation options.
Document the Scene
Call the police after the accident. You are legally required to report any accident with:
- Physical injuries
- At least $500 in property damage
Officers should create an accident report, which is crucial for your injury claim. A crash report is the first official document of your accident. You will need to get a copy of this report for your records.
Besides calling the police, you can document the scene by:
- Taking pictures of your injuries and vehicle damage
- Photographing the entire accident scene
- Getting contact information for witnesses
Gather whatever evidence you can from the scene. The more you can record, the better it will be for your case.
If you’re not sure what to do, contact a ridesharing accident lawyer. Your lawyer can start gathering the most robust evidence from your crash.
Contact a Lawyer
An experienced lawyer can help with all of the above steps and more. They can also protect your rights if the insurance company tries to take advantage of you.
Talk to a Stonecrest Ridesharing Accident Lawyer Today
Ridesharing accidents are often complicated and confusing. But you don’t have to handle yours alone. At John Foy & Associates, we can handle the legal details while you focus on healing.
Our team does not collect a fee unless we win you compensation. With over 20 years of experience, we know what it takes to win cases. Contact us online today to learn more about our process.
To get a FREE, no-risk consultation, call (404) 400-4000 or contact us online.