Uber, Lyft, and other rideshare companies have only grown in popularity as the years go on. While the convenience these services have added to our lives is undeniable, there are no appreciable safety benefits for riders or other drivers. In fact, ridesharing has been found to increase the number of cars on the road, which may make accidents more likely.
For anyone injured in a rideshare accident, whether as a passenger, a driver of another vehicle, or any other road user, you should know these companies can be held liable for accidents caused by their drivers. Bringing a claim is not always easy, but it is worth it. Car accidents can cause serious injuries that disrupt your life, leading to financial strain.
Our team at Schlesinger Law Offices, P.A. can help you determine whether you are eligible to file a claim and fight for your right to compensation after an accident. We will not settle for an unfair offer when your future is on the line.
Call us at (954) 467-8800 to schedule a free consultation with one of our rideshare accident attorneys. We’ve been serving Fort Lauderdale injury victims for over 60 years.
Liability in Rideshare Accidents
Most vehicle accidents are caused by some form of driver negligence, and determining who is at fault is the first step in filing your injury claim. In some cases, a rideshare driver may end up in a wreck because another driver on the road was negligent, in which case that driver (and their insurance) will be responsible for the damages of anyone injured.
When a rideshare driver is at fault, however, liability likely does not rest with them. Because they are working as commercial drivers when transporting passengers or heading to pick up a fare, the company they are working for is most likely responsible for covering victims’ damages. In some cases, rideshare drivers carry commercial insurance to cover accidents that happen while they’re working, but this is rare. Most accident victims will find themselves bringing a case against Uber, Lyft, or another app company when the rideshare driver is at fault.
Learn more about how we can help with your case during a free initial evaluation. Give our award winning attorneys a call at (954) 467-8800, or contact us online to schedule a time to speak with a member of our team.
Coverage Limits with Uber and Lyft Insurance
Because of the overlap between personal and commercial vehicles in rideshare accident cases, both Uber and Lyft have laid out rules to govern when they are and are not liable. Even if a driver is always displaying trade dress (Uber/Lyft decals on their vehicle), these companies are only responsible for accidents caused by drivers who are on the job.
This means before you can file a claim, you’ll need to have proof the driver who hit you had their app open and was either searching for a fare, on their way to pick up a passenger, or transporting a passenger when the accident happened. Along with asking for the driver’s license information after a crash, you’ll want to check whether they were actively working and if so, take a picture of their app screen so you have the necessary information to bring a claim against Uber or Lyft.
Both companies have tiered insurance coverage: The policy limits depend on what activity their driver was engaged in when the accident happened. If the driver had their app open and was waiting for a fare to come in, Uber and Lyft’s insurance will cover:
- $50,000 per person/$100,000 per accident in bodily injury
- $25,000 in property damage
On the other hand, if the driver had accepted a fare and was either en route to pick up a passenger or transporting them to their destination, Uber and Lyft both cover:
- $1,000,000 per accident
- Damages caused by uninsured/underinsured motorists
Both companies specify their policies are excess insurance. This means if the driver has their own commercial coverage that will kick in for rideshare accidents, you must first exhaust this policy before you will be able to file an Uber or Lyft claim. Our attorneys can help you figure out who should be handling your insurance claim and gather evidence to prove you should be covered by a commercial policy.
Who Can Recover Compensation After a Rideshare Accident?
Anyone who was injured in a rideshare accident that was not caused by them is eligible to file for compensation.
Filing a Claim as a Rideshare Passenger
Unless you were acting egregiously, as a rideshare passenger, it’s a fair bet you didn’t play a role in any accident. This is good news when it comes to filing and winning an injury claim. However, you will still need the evidence we mentioned above to show you were a passenger in a rideshare car during an accident. Be sure to take screenshots of your app that include the time and show your ride receipt.
As a rideshare passenger, Uber and Lyft will cover your damages if your car was hit by another driver who either does not have insurance or whose policy limits are too low to address your full claim. In other words, there’s no need to worry if you don’t have car insurance. No matter what happens, our attorneys can help you figure out how to file a claim.
Drivers or Passengers in Other Vehicles
If you were in another car that was hit by a rideshare driver, you will not have an app to show the at-fault party was working for Uber or Lyft when the accident happened. If you don’t get evidence of the other driver’s working status at the scene, our attorneys can investigate the accident to make sure your claim reaches the right company.
Bicyclists, Pedestrians, and Other Road Users
Anyone who’s not in a vehicle when they’re hit is much more likely to sustain serious injuries in a car accident. This makes it especially important to maximize your compensation. Thankfully, both Uber and Lyft provide decent insurance—especially when their drivers are actively fulfilling a fare. We can help you put together a claim and protect your right to compensation.
Serving Uber and Lyft Accident Victims Across Florida
Receiving fair compensation in an insurance claim is never easy, but when you’re fighting against a big corporation like Uber or Lyft, you can expect above-average pushback. These companies have large in-house legal teams whose job is to decrease liability, even if that means unfairly arguing you were partially to blame for an accident or claiming you’re overstating your damages. Attempting to negotiate a settlement without legal help could result in you recovering much less than your injuries will actually cost.
Our team is known for aggressively fighting for our clients, no matter who is on the other side. We’ve received multi-million dollar wins for car accident victims and have even been behind record-setting verdicts. When your health and future are on the line, you need a team that will do everything it can for you. Schlesinger Law Offices, P.A. wants to help you understand your rights and options if you’ve been seriously injured.
I can't thank the team of lawyers from Schlesinger Law Firm for their high quality of professionalism and persistence in pursuing my lawsuit. They always made me feel part of their family.