Ridesharing services such as Uber and Lyft have made commutations convenient, but they are not without risks. Vehicles driven by Lyft or Uber drivers are just as vulnerable to collisions as any other vehicle on the road.
If you’re a regular passenger of one of the ride-hailing apps, you should know what to do in case of a rideshare accident. That’s exactly what we’ll cover in this guide. The information will also help if you’ve recently faced an accident while using one of these services.
How Do You Get Compensated?
Before going into what you should do, it’s important to understand how you get compensated for any damages you face. While most drivers will carry their personal auto insurance policy, it normally contains a business-use exclusion, which means that it won’t cover the liability arising at a time when the driver was using the vehicle for business purposes such as driving for a ride-hailing service.
Thus, Lyft and Uber provide liability coverage of up to $1 million for accidents that occur when a driver was serving one of their customers. The exact amount of coverage will vary from case to case, depending on which period the driver has been in:
Period 0: This is when the driver is not logged in to the app. The ride-hailing service won’t compensate for the damages in this case. The driver’s personal insurance policy will.
Period 1: This is when the driver hasn’t accepted a ride request even though he is logged into the app. In case the driver is at fault, the ride-hailing service will cover up to $100,000 in liability coverage per accident.
Period 2: When the driver is logged in to the app, has accepted the trip, and is on the pickup location, the limit for liability coverage increases to $1 million.
Period 3: When the passenger is in the car, the liability coverage limit is $1 million, and limited coverage for damages to the driver’s car.
What You Should Do After a Rideshare Accident
Seek Medical Care
No matter how ‘okay’ you feel, don’t put off seeking medical care. A doctor is in a much better position to decide whether you’re injury-free.
Hire a Rideshare Accident Lawyer
Schedule a consultation with an experienced rideshare accident attorney. They’ll assist you in preparing for your claim and ensure that your medical bills, lost wages, and property damages are recovered.
Now that you know what to do in case of a rideshare accident, it’s time to act.