What Insurance Policy Applies In Uber Or Lyft Accidents?

The popularity of ride sharing services is only going up. While this is definitely advantageous for most people, it also means that new problems appear. One of them is what happens in the event that you are injured when you are involved in a ride sharing accident. This includes being hit by an Uber and being inside the vehicle.

Generally, according to experienced Uber Lyft accident lawyers in Washington DC, the financial responsibility for injuries comes from the at-fault driver’s insurance company. This can be of the ride sharing firm or of another driver that ended up causing the crash.

What Insurance Policy Will Apply?

The car insurance coverage of the ride sharing driver applies to passenger industries. This is true when there is a special commercial insurance policy in place, which is often required to be a driver for Uber or Lyft. Alternatively, personal insurance policies that have extra provisions can also be in place.

You should be aware of the fact that there are many ride sharing drivers who do not have special personal insurance coverage or commercial insurance. This can create some serious problems when involved in ride sharing accidents.

Inevitably, we should also consider the insurance of the ride sharing firm. Both Lyft and Uber have third party insurance coverage. This is actually in place to pay for injuries or/and property damages of up to $1 million. The policies are activated after the insurance of the driver is exhausted. This is a good coverage for passengers and other road participants if the Uber or Lyft driver ends up being at fault.

When the driver of the ride sharing company is not at fault, you need to recover damages from the party that is at fault. This is done through a car insurance claim that is filed against that specific party. Alternatively, you can also file a standard personal injury lawsuit.

If the at-fault driver does not have insurance, it is time to consider the UM/UIM (uninsured/underinsured) insurance coverage of the ride sharing firm. This is another coverage that provides coverage of up to $1 million per accident. However, it will only apply in the event that the police cannot discover or determine the responsible driver, there is no insurance, or not enough insurance is available to pay for the injuries the victim suffered. Also, the policy can only apply as the passenger is actually inside the car of the ride sharing company.

When you are faced with the unwanted situation in which insurance companies cannot fully compensate to cover your injuries and damages, or when insurance companies just do not want to pay, your main option is to start a personal injury claim against Uber, Lyft, or the ridesharing company you use.

Final Thoughts

To sum up, you have options whenever injured in ride sharing accidents. However, the situation can become complicated, as you saw above. Having an experienced Uber Lyft car accident attorney in your corner can prove to be the difference between not getting compensation and getting the fair amount you are entitled to. Starting a claim without an attorney can turn out very badly for you.