More and more people are relying on Uber, Lyft, and other rideshare companies to provide them with transportation. In fact, many have found it to be cheaper and less time-consuming to participate in ridesharing than to own their own vehicle. However, one thing that you may not have thought about is being involved in a rideshare accident. Many people don’t, according to Uber and Lyft accident lawyers, until it’s too late.
If you’ve recently experienced an injury in a rideshare vehicle, you may not be sure just how to approach the claim. Luckily, an experienced bodily injury lawyer Newport Beach can help you along your way. However, we suggest that you understand the basic tasks above so that you can be familiar with the process.
A Look A Rideshare Insurance
While ridesharing accident attorneys are going to be your best source of knowledge in regards to rideshare insurance, we’re going to take a broad overview of them for the sake of this article. All ridesharing companies will require the driver to have their own insurance policy. On top of this basic insurance, the rideshare company has insurance of their own for accidents that happen.
Uber accident lawyers Newport Beach will reveal that many rideshare drivers don’t realize that their personal insurance doesn’t cover business purposes. In fact, many find themselves facing hefty legal fees because their personal insurance company won’t cover their accident because they were transporting a passenger. For this reason, rideshare companies continue to encourage their drivers to purchase rideshare insurance to ensure that they’re covered for all accidents.
Driver Status Determines The Coverage Level
All Lyft accident lawyers Newport Beach can reveal that the driver’s status will have a lot to do with the type of coverage that you can receive. Each driver is capable of marking their status on their mobile device. They generally breakdown statuses into three main categories. All Uber and Lyft accident lawyers Newport Beach can help you to understand what these three statuses are.
The first status is when the driver has their app on, but they’re waiting for a job to come in. Any bodily injury lawyer Newport Beach can tell you that this status provides the minimal amount of coverage for an accident. For Uber and Lyft, their insurance coverage is $50,000 per person and up to a maximum of $100,000 per accident. Many ridesharing accident attorneys Newport Beach end up dealing with clients who have injuries that cost more than the maximum insurance coverage these rideshare companies provide.
The second and third statuses provide more coverage. Uber accident lawyers Newport Beach will reveal that these provide up to $1,000,000 in coverage for a single accident that takes place while the driver is in the second or third status. The second status is when a driver is en-route to pick up their passenger. The third status is when they have the passenger in the vehicle with them. Lyft accident lawyers Newport Beach find themselves dealing with all types of accident claims where the driver didn’t properly update their status.