Uber and Lyft Accident Insurance Claims

Dealing with an Uber or Lyft Insurance Claim? Speak to Our Lyft Accident Lawyers Newport Beach Today

Ride-sharing businesses have revolutionized the way everyone gets around in the United States. Not only for passengers, but also drivers seeking convenient, alternative ways to gain extra income directly at their fingertips. However, ridesharing accidents are common indicators that both Uber and Lyft are not as safe as they promote themselves to be. If you were the victim of a car accident due to the recklessness of your rideshare driver, it can be twice as difficult to file a claim. Unlike car accidents that don’t involve rideshares, there is more than one insurance policy to consider, which makes it taxing when you are getting ready to file a claim. 

The last thing on your mind may be pursuing legal action against the driver, or company if you sustained major or minor injuries. But, when you do it’s best to hire our ridesharing accident attorneys in Newport Beach. Uber and Lyft are leading companies that disrupted the taxi and limo industry, and replaced millions of jobs. Yet, outside the door-to-door convenience, they cut corners when it comes to ensuring all drivers follow safety procedures. As a passenger, choosing to carpool with anyone has a certain level of risk. Let’s take a look at some of the things you should know when it comes to building a case against Uber, Lyft, or their drivers.

Choose a Ridesharing Lawyer

When you speak to Uber and Lyft accident lawyers in Newport Beach, they can usually detail the value of the case. Because they have worked on a high volume of similar cases, and they can use them as an assessment to measure factors like compensation. The value of the claim will always depend on the evidence. Keep in mind that you do not want a general practitioner with cases like this.

You need a ridesharing accident attorney in Newport Beach who is well-versed with these types of cases to defend your rights and explain the circumstances of the case to you. Obtaining a lawyer that specializes in ridesharing accidents can save you from having your rights ignored by Uber or Lyft. You especially need this when you want to file a lawsuit or some legal aspect relating to this field of law. It can mean the difference between getting compensation and failing to get the compensation that you deserve for:

  • Medical bills you sustained injuries following a car crash. You may need to schedule frequent appointments with your doctor, or require treatments at the hospital.
  • The loss of income followed by missing days of work.
  • Prospective earnings that you would have gained.
  • The emotional and physical toll that comes from the injuries you sustained due to someone else’s negligence. 

Whether you were the rideshare driver or the passenger you should request a consultation immediately, at your convenience following when the collision occurred. Having a dedicated lawyer makes all the difference. Without one, you severely harm your chances of getting a fair settlement. You will learn about the options that you have available to you, and your attorney will advise you on the best course of action.

Corporations Like Uber and Lyft Don’t Play Fair

There are a lot of unknowns, or grey areas about Uber and Lyft. Both companies make excessive amounts of money, and yet refuse to compensate injured passengers in the event of life-threatening car crashes. If you find yourself filing an aggressive claim, you should speak with a personal injury attorney in Newport Beach for proper legal defense. 

As your claim moves forward, keep in mind the first offer is never the best offer. Uber or Lyft is most likely trying to minimize their payments. Is it morally corrupt? Yes, but it’s not illegal either. Always consult with your lawyer before accepting any offers or settlements, as they can help you to understand the fullest extent of the damages and how to best proceed.

What Role Did You Play in the Accident?

This becomes a big determining factor for how much you will have to pay in the accident. Having the right legal representation allows you to understand the logistics of your case so that you can proceed under the best of circumstances. What you may have been doing prior to the accident can have an impact on your claims process. If, for example, you were the driver, the opposing party could argue that your distracted driving caused the accident. 

Depending on how many people were injured, and the insurance’s assessment of the accident, it can hurt your case and require the careful guidance of a car accident attorney in Newport Beach. Those who were in the other vehicle will have a vastly different experience and interpretation of what occurred. They may try to build cases to lessen your credibility and prove fault. 

What Does the Coverage Look Like?

Uber and Lyft both carry insurance policies to protect drivers. Though, it is important for drivers to have insurance coverage separately to supplement both personal insurance and what is provided by the rideshare company. There are three stages of rideshare driving, as follows:

  1. Available: this means that the driver is available to pick up a passenger,
  2. 2. En Route: this means that the driver is on the way to pick up a passenger,
  3. On the trip: this means that the driver has already picked up the passenger and is on the way to the destination.

Now when the app is off, the driver’s personal insurance would work in cases of accidents. While the app is on, however, Uber and/or Lyft’s driver insurance coverage kicks in and it can supplement to provide some coverage to the driver. Let us look at the following data to understand the breakage of the coverage and how it works for the drivers in the case of the two ridesharing services:

Uber

Driving Phase

  • Third-party liability coverage works if driver’s auto insurance doesn’t work;
  • Up to $100,000 for bodily injuries per accident;
  • Up to $50,000 for bodily injuries per person;
  • Up to $25,000 for property damage per accident.

En Route

  • Up to $1 million in third-party liability coverage;
  • Bodily injury coverage for uninsured and/or underinsured motorist;
  • Collision coverage and contingent comprehensive up to the actual cash value of the car along with a $1,000 deductible.

On the Trip

  • Up to $1 million in third-party liability coverage;
  • Bodily injury coverage for uninsured and/or underinsured motorist;
  • Collision coverage and contingent comprehensive up to the actual cash value of the car along with a $1,000 deductible.

Lyft

Driving Phase

  • Third-party liability coverage works if driver’s auto insurance doesn’t work;
  • Up to $100,000 for bodily injuries per accident;
  • Up to $50,000 for bodily injuries per person;
  • Up to $25,000 for property damage per accident.

En Route

  • Up to $1 million in liability coverage;
  • Bodily injury coverage for uninsured and/or underinsured motorist along with first-party coverage (when applicable)
  • Collision coverage and contingent comprehensive up to the actual cash value of the car along with a $2,500 deductible.

On the Trip

  • Up to $1 million in liability coverage;
  • Bodily injury coverage for uninsured and/or underinsured motorist along with first-party coverage (when applicable)
  • Collision coverage and contingent comprehensive up to the actual cash value of the car along with a $2,500 deductible.

Never assume that Uber and Lyft will automatically compensate you for any injuries or damages caused. Recovering damages from ride-hailing companies after an accident can be tough. In some cases, Uber will attempt to throw off your claim, as they have a history of not playing fair. When you have a lawyer on hand, you increase your bargaining power, and decrease their chances of deterring you from filing a lawsuit. If you haven’t already, schedule a free consultation with a Los Angeles rideshare lawyer.

Corporations Like Uber and Lyft Don’t Play Fair

There are a lot of unknowns, or grey areas about Uber and Lyft. Both companies make excessive amounts of money, and yet refuse to compensate injured passengers in the event of life-threatening car crashes. If you find yourself filing an aggressive claim, you should speak with a personal injury attorney in Newport Beach for proper legal defense. 

As your claim moves forward, keep in mind the first offer is never the best offer. Uber or Lyft is most likely trying to minimize their payments. Is it morally corrupt? Yes, but it’s not illegal either. Always consult with your lawyer before accepting any offers or settlements, as they can help you to understand the fullest extent of the damages and how to best proceed.

What Role Did You Play in the Accident

This becomes a big determining factor for how much you will have to pay in the accident. Having the right legal representation allows you to understand the logistics of your case so that you can proceed under the best of circumstances. What you may have been doing prior to the accident can have an impact on your claims process. If, for example, you were the driver, the opposing party could argue that your distracted driving caused the accident. 

Depending on how many people were injured, and the insurance’s assessment of the accident, it can hurt your case and require the careful guidance of a car accident attorney in Newport Beach. Those who were in the other vehicle will have a vastly different experience and interpretation of what occurred. They may try to build cases to lessen your credibility and prove fault. 

What Does the Coverage Look Like?

Uber and Lyft both carry insurance policies to protect drivers for up to $1 million, if a passenger is present during a car accident. It covers liability and works for insured or uninsured drivers. When you compare it to regular motorists, they usually only have $15,000 of injury liability. This type of coverage means that those who were injured in a car crash due to the negligence of someone else, could gain even more compensation. Still, you need a personal injury attorney to help you file a time-sensitive claim. 

What Happens After an Accident?

After a car accident takes place, most injured persons are unsure of how to file for compensation. You should follow the following steps after calling 911 and receiving medical treatment:

  1. Consultation – Uber and Lyft rideshare accident attorneys understand what works. As specialized lawyers, they can help you navigate through your case.
  2. Car Accident Investigation – after filing a personal injury claim with the negligent rideshare driver, your insurance will conduct an investigation. If you have legal representation, they will handle all aspects of this process for you to prove your claims validity. 
  3. Review Insurance Policies – Review both your insurance and the at-fault driver’s insurance policy.
  4. File A Claim – Your attorney will assess the evidence and determine a settlement offer. The offer is negotiated with the negligent driver’s insurance provider. Don’t accept any offers without legal counsel. 
  5. Lawsuit – If a settlement isn’t reached with the rideshare driver’s insurance provider, you may be able to settle your claim in court. 

Never assume that Uber and Lyft will automatically compensate you for any injuries or damages caused. Recovering damages from ride-hailing companies after an accident can be tough. In some cases, Uber will attempt to throw off your claim, as they have a history of not playing fair. When you have a lawyer on hand, you increase your bargaining power, and decrease their chances of deterring you from filing a lawsuit. If you haven’t already, schedule a free consultation with a rideshare lawyer.

EnglishSpanish