Insurance Issues After Ridesharing Accidents
Rideshare companies have exploded onto the commercial driving scene, and with just a few clicks on an app, you can have an Uber or Lyft driver at your curb within minutes. Rideshare drivers are not immune to accidents, however, and the unexpected does happen. Uber and Lyft drivers are considered independent contractors, which may cause insurance issues to arise after ridesharing accidents. If you or a loved one has been injured in a ridesharing accident due to another driver’s negligence, we at Agruss Law Firm are here for you every step of the way to ensure that your rights are protected, and you are fully compensated for your injuries and losses.
With any accident, the claimant must prove two things in order to be compensated, liability and damages. If you were hit by a rideshare driver, or injured as a passenger in their vehicle, you will need to prove that the Uber or Lyft driver was negligent to have a claim. If there are grounds for a claim after your ridesharing accident, the next question is: Whose insurance company is responsible?
Rideshare drivers are using their own private vehicles thus they are using their own insurance. Both Uber and Lyft require their drivers to have personal auto insurance that meets or exceeds the Illinois state minimum for liability coverage. It is important to know that most personal, non-commercial, auto insurance companies will not provide coverage to their drivers if they are using their vehicle for commercial use, such as driving for Uber of Lyft. This has prompted both major rideshare companies to provide liability coverage for their drivers, but only under certain circumstances.
The rules for Uber and Lyft drivers and insurance coverage are:
- If a driver is not logged into the appropriate app for work, the rideshare companies will provide no coverage.
- If a driver is logged in and has accepted a customer, liability coverage will be provided in the amount of $1million.
- If a driver is logged into the appropriate app but has not yet accepted a customer, the rideshare company will provide liability coverage up to $50,000 per person injured in an accident or $100,000 total injury liability per accident and $25,000 property damage liability per accident, if their driver is at-fault.
- While it is rare, if a driver has personal auto insurance that covers ridesharing or they have commercial liability insurance, the ridesharing company insurance will only be used to supplement the driver’s coverage.
If you are involved in an accident with a rideshare driver you will want to follow the same rules as any accident. Call the authorities and get the names of everyone involved, exchange insurance information, contact information, take pictures of the accident scene, the vehicles involved, and anything else that might be relevant to the accident. No information is too much information when it comes to an auto accident and the more you have, the better your case will be. Finally, consider an experienced attorney to help with your claim. If you’ve been injured due to another driver’s negligence, our experienced personal injury attorneys are here to ensure that you can focus on your recovery while we work to earn the full compensation you deserve.
We at Agruss Law Firm are proud to serve our fellow citizens in personal injury cases, especially when you or a loved one has been injured in an auto accident, and we are fully committed to protecting your rights and ensuring that the other party is held legally accountable when negligence occurs. We will fight until the very end to ensure that you are fully compensated for all injuries and losses resulting from the accident, including medical expenses, property damage, lost wages, and pain and suffering, and you won’t owe us a dime for our services.
If you or a loved one has been injured in ridesharing accident due to another driver’s negligence, contact Agruss Law Firm, LLC for a free consultation. Helping our clients is about counseling, advocating, and ultimately solving problems. With years of experience successfully representing the people and not the powerful, we will take care of the insurance adjusters, your medical bills, your property damage, and your lost wages, and monitor your treatment so you can focus on healing and getting your life back to normal. We will handle your case quickly and advise you every step of the way, and we will not hesitate to go to trial for you. Lastly, Agruss Law Firm, LLC is not paid attorneys’ fees unless we win your case. Our no-fee promise is that simple. You have nothing to risk when you hire us – only the opportunity to seek justice.