Involved in a Uber accident?
Rideshare companies connect drivers with those who are in need of a ride to their destination. Some studies have found that ridesharing is now more common than taxis. Companies like Uber, Lyft, and Sidecar all offer private hire vehicle to people who need to get from A to B.
Rideshare Accident Claims
Rideshare cars are slightly different than taxis, so what happens if there is an accident while you are a passenger of a rideshare car?
Many of the rideshare companies were criticized for failing to provide enough insurance coverage if the Uber driver is involved in an accident. Often times, the insurance company insuring the individual driver of the rideshare does not protect the driver and its passengers if the driver does not in advance disclose to its insurance company that he/she is using the vehicle for purpose of making money or rideshare.
Companies such as Uber and Lyft realized that they must protect the passengers of their drivers and therefore now provide insurance to the drivers and passengers of the vehicle that is being used for rideshare, subject to certain conditions.
Insurance Coverage and Policies
Current laws about insurance and the policies of rideshare companies depend on whether the driver is available, accepted a trip and with a passenger at the time of the crash.
For example, if the driver is waiting for a passenger match when they get into the accident, then it is unlikely that the company will provide the insurance.
In these circumstances, the driver’s insurance policy would be expected to cover the accident. On the other hand, the rideshare company may cover the accident if the driver was carrying a passenger at the time of the incident (there are exceptions).
Personal Insurance vs Rideshare Insureance
Some rideshare companies are unclear about whether they would cover a driver if they were involved in an accident on the way to pick up a passenger who had been matched/assigned.
Some people are left in an “insurance black hole” when their personal policy will not cover them (because they were performing a business activity), but the rideshare company would not cover them either, (because they did not have a passenger).
Some states are starting to pass new legislation to ensure that rideshare companies are transparent about their insurance policies.
This legislation will try to make sure that both drivers and passengers are treated fairly regarding their insurance. At present, most insurance matters are assessed on a case by case basis.
Uber Accident Attorney
If you have been involved in an accident while driving a rideshare vehicle, or if you have suffered an injury while traveling as a rideshare passenger, then contact a lawyer at Drake Law Firm to find out more about your legal rights.
Click to call 844 51-DRAKE my office today to schedule your free consultation to get answers to all of your questions so you can make an informed decision on how to proceed with your claim.