Many people have taken to Uber and Lyft as an alternative way to get quick cash. Driving for these companies can be a great way to make ends meet at the end of each month. You do not need a professional license and you are not required to undergo any kind of examination. You need only be available and ready to work. As an Uber or Lyft driver, you are constantly on the road. Even if you are a safe and cautious driver, you cannot control the habits of others. Reckless and negligent drivers present a constant threat to your safety. If you were in an accident in which you and your passengers were injured, then you must take immediate and decisive steps to protect yourself legally.
In most discussions surrounding Uber and Lyft accidents, the injuries and compensation of the passengers are the most common topics. As a driver offering carpooling services, you also have rights and interests.
Three Stages To Be Aware Of As An Uber or Lyft Driver
If you are logged into your ridesharing app as an Uber or Lyft driver when a collision occurs, then you need to be aware of the following stages:
- First stage
This stage applies to drivers who are logged into their Uber or Lyft app but do not have any customers waiting. In this stage, you are essentially on the clock but are not on a specific job. You will most likely be driving in a residential area waiting for someone to request a ride. If an accident occurs while you are doing so, then you should expect Uber or Lyft to pay you up to $100,000 for injuries and $25,000 for property damage.In this stage, you only have access to the company’s liability coverage, which means you will have to pay for your own repairs if you caused the accident, and you will not be covered if the other driver was at fault but has no insurance.
- Second stage
This applies to drivers who are in an accident, have logged into the Uber or Lyft app, have received a ride request, but have not actually collected the passenger. This gives you access to $1 million in liability coverage and uninsured and underinsured coverage. You will be able to collect all that is owed to you regardless of whether the coverage of the other driver.
- Third Stage
This stage is for Uber and Lyft drivers involved in a collision when they are logged into the app and have a passenger in their car. You will receive uninsured motorist coverage and $1 million in liability coverage. If you were on a job during the accident, you will have a much easier time getting compensation for your injuries and repair costs.