The process of recouping your losses after a traffic accident can be complex. In many cases, your insurance company may be slow to respond on whether it will cover the crash. When another driver is responsible, it could be their insurance company that makes the process a hassle. These complications are often compounded when the at-fault party is operating a rideshare vehicle.
When these accidents happen, a skilled car wreck attorney could work to make the process go more smoothly. This could include filing an insurance claim on your behalf or pursuing litigation against the negligent driver. A Monument Uber/Lyft accident lawyer could offer the experience and skill required to obtain compensation for your injuries.
The good news for drivers struck by Uber or Lyft operators is that both companies carry robust insurance policies. These policies provide up to $1,000,000 in coverage to rideshare passengers if their driver gets into a wreck during their trip. Additionally, while the rideshare driver’s insurance could be responsible to pay, both companies also offer underinsured motorist coverage in the event the driver’s personal policy is insufficient.
It is worth noting these policies are only in place during an active trip. This means from the point a passenger enters a car to the moment they exit, the rideshare insurance policies are in place.
The same may not be true at other times. For example, the policies are not active when an Uber driver has left home with the intention to seek riders. Even so, these drivers must maintain minimum insurance levels regardless of whether a rideshare policy applies. Under state law, motorists must maintain a minimum amount of liability coverage that includes:
A Monument Uber/Lyft accident attorney could be helpful during the claims process, regardless of which insurance policy is in place at the time.
Some insurance companies may refuse to pay even when coverage is available. This typically occurs when the insurer believes their driver was not at fault for the collision. However, if an insurance company denies a claim, the injured driver may not be out of options. With the help of a Monument accident attorney, an injured person could file a lawsuit against the Uber or Lyft driver.
A successful lawsuit requires evidence that the rideshare driver was negligent. There are four basic elements a plaintiff must show to demonstrate negligence. First, the defendant must have owed a duty of care to the plaintiff. Then, there must be a breach of that duty which caused injury to the claimant. Finally, the plaintiff must establish their injuries resulted in compensable damages.
Every motorist owes one another a duty to drive with care. If an Uber or Lyft driver violates traffic laws or otherwise drives recklessly, they could be financially responsible for any monetary damages they cause in a crash.
If you have suffered bodily injuries due to a rideshare crash, you may be entitled to the same rights as any other car crash victim. While bringing a claim against such a large company may seem overwhelming, both Uber and Lyft provide a valuable source of compensation.
You could expect better results from your claim with the help of a Monument Uber/Lyft accident lawyer. To learn more about taking on these rideshare companies, schedule a case evaluation.