Uber and Lyft are ridesharing services that provide easy transportation. But when a driver gets into an accident, liability is more complicated than a regular car accident. If you suffered injuries in a ridesharing accident, it’s important to know your rights.
Talk to a ridesharing accident lawyer to learn your options. You might be entitled to full financial recovery for your medical bills, lost wages, and more. At John Foy & Associates, we can help you get started today.
Contact us to begin the process of seeking fair compensation. We have been helping accident victims for over 20 years, longer than ridesharing services have been available. Call (404) 400-4000 or contact us online to have an experienced lawyer evaluate your case during a free consultation.
Ridesharing Services and Accidents
Ridesharing companies match people who need rides with those who have signed up to become drivers. Ridesharing drivers use their personal vehicles to take rides, and everything happens through a smartphone app.
To schedule a ridesharing drive, a passenger needs:
- A smartphone
- The ridesharing company app
- A payment method set up through the app
Unlike some taxi drivers, ridesharing drivers are not employees. Legally, ridesharing drivers are independent contractors. Since drivers are not employees, the company doesn’t have to provide certain protections.
When an accident happens with an Uber or Lyft driver, the legal side of things is complicated. If you were a victim of this type of accident, it’s important to know the details.
Insurance Coverage for Uber and Lyft Accidents
Insurance coverage varies for ridesharing accidents based on the situation. The details of your accident will determine who might cover your costs.
Uber and Lyft both provide insurance policies for drivers, but they only apply in specific instances. Sometimes, the driver’s personal insurance will apply to an accident.
We’ll cover how insurance generally works next, but you should consult with a lawyer to be sure after your accident.
Driver Is Unavailable for Rides
All drivers in Georgia must carry auto insurance, including ridesharing drivers. According to Geico, Georgia car insurance minimums are:
- $25,000 per person and $50,000 per accident for bodily injuries
- $25,000 per accident for property damage
- $25,000 per person and $50,000 per accident for uninsured motorist bodily injuries
- $25,000 with a $250, $500, or $1000 deductible for uninsured motorist property damage
If the ridesharing driver is unavailable to take rides in the app, then they’re using their car for personal reasons. The driver’s own auto insurance would then apply if the driver caused an accident.
Your coverage options will depend on how much coverage the driver has.
Driver Is Available But Has Not Accepted a Ride
If the driver is available to take rides in the app but hasn’t accepted a ride yet, the driver’s insurance applies first. However, many auto insurance policies won’t cover ridesharing accidents. So, the ridesharing company provides coverage if the driver’s insurance doesn’t apply.
In this situation, Uber offers third-party liability for:
- $50,000 per person for bodily injuries
- $100,000 per accident for bodily injuries
- $25,000 per accident for property damage
Driver Is Picking Up or Has a Passenger
Uber or Lyft fully covers an accident if the driver is:
- Heading to pick up a passenger, or
- Currently transporting a passenger.
Uber and Lyft both provide up to $1 million in coverage for an accident the driver causes. The companies also offer uninsured motorist coverage and collision coverage in some cases.
As you can see, the details of your crash will affect your recovery options. And even if the company’s insurance applies, you will probably need to fight for what you deserve. Insurance companies will do whatever they can to pay less.
John Foy & Associates knows what to do for our ridesharing accident clients. Even if you don’t hire us, we’ll help you know your options. To go over the details during a free consultation, call (404) 400-4000.
What to Do if Injured in a Ridesharing Accident
Ridesharing accidents are complicated, and it can be hard to know where to turn. Thankfully, there are ways you can help your case. Here are some important steps to take.
Get Medical Attention
After the accident, call 9-1-1 for emergency medical attention if anyone needs it. Don’t wait to get help for severe or life-threatening injuries.
If you don’t get help at the scene, see a doctor as soon as possible. You will need a record of you getting treatment for your injuries. Save all medical bills, and don’t miss any follow-ups.
Without proper proof, the insurance company will question your medical costs. They might refuse to cover them at all.
Report and Document the Accident
Document the accident as best as you can. Call the police to report the accident, and tell them what happened. Also, record what happened by:
- Taking pictures of your injuries and the vehicle damage
- Getting the driver’s contact and insurance information
- Asking any witnesses for their names and contact information
- Taking notes on what you remember about the crash
The ridesharing driver should report the accident and provide their information. However, some drivers might try to avoid reporting the crash. If so, you should insist on calling the police anyway.
Not reporting the accident will prevent you from having any recovery options. If you think the driver is hiding something, tell the police about your suspicions.
Reach Out to a Ridesharing Accident Lawyer
After handling things at the scene, call a trusted ridesharing accident lawyer in your area. An experienced lawyer can ensure you know your rights and compensation options.
After an accident you didn’t cause, you can probably file a claim with the driver’s or ridesharing company’s insurance. If the insurance company offers you a lowball settlement, your lawyer can negotiate or consider other options.
Talk to a Ridesharing Accident Lawyer for Free Today
John Foy & Associates has been helping accident victims for over 20 years. We know what it takes to win cases and handle ridesharing claims. Plus, we will not charge you a fee unless we win your case.
Don’t wait to get started on your case. Under the Official Code of Georgia Annotated (OCGA) §9-3-33, you only have two years from the accident to bring your case. We can help you get the ball rolling today.
To get a free consultation today, call (404) 400-4000 or contact us online.