Drivers for rideshare companies like Uber or Lyft are not professionals. They are not required to obtain specialized licenses or commercial driver training. These drivers are everyday individuals operating their personal vehicle. As is the case with any driver, these rideshare operators can make mistakes while behind the wheel, and the result could be devastating.
If you have suffered injuries in a collision with a rideshare driver, a practiced car wreck attorney could evaluate your claim. If your attorney determines you have a viable claim, you could seek monetary compensation for your injuries. Working with a Pueblo Uber/Lyft accident lawyer could improve your chances of recovering monetary damages significantly.
Both Uber and Lyft provide insurance coverage for their drivers when they are transporting a passenger. In their off time, these same drivers must carry insurance according to state law.
While this means that rideshare drivers likely have coverage in the event of a crash, the specifics of each policy vary greatly. An experienced lawyer in Pueblo could review an Uber or Lyft accident case and determine an injured party’s insurance claim options.
The coverage provided by both Uber and Lyft is substantial when a vehicle is transporting passengers. Both companies provide a maximum of $1 million in liability insurance coverage to their drivers. These policies apply from the moment a driver accepts the ride request to the time the passenger exits the vehicle.
This liability insurance coverage is available for both other motorists or passengers. In cases where an uninsured driver causes the crash, Uber and Lyft offer $1 million in uninsured motorist coverage to their passengers.
Uber and Lyft both offer coverage for drivers that are logged into the app and waiting for a trip. This form of coverage is known as “contingent” insurance, and the limits on these policies are much lower compared to when a passenger is in the vehicle. The policy limits on this type of coverage include:
The rideshare companies consider these policies to be supplemental. In other words, they may only pay out a claim if the driver’s personal auto insurance carrier refuses to cover the accident or reaches its policy limits.
Neither Uber or Lyft offer any insurance coverage to their drivers that are not actively accepting trips for the rideshare company. That said, state insurance laws still apply. These laws require drivers to maintain a minimum level of coverage, which includes:
A successful claim could cover several different types of damages. While these damages could have restrictions based on a policy’s limits, a Pueblo rideshare accident attorney could assist an injured person in seeking compensation for all of their losses. Some of the damages available in these accidents include hospital bills, pain and suffering, lost wages, and vehicle repair costs.
If a driver for Uber or Lyft is responsible for the crash that injured you, there could be multiple insurance policies in effect. Determining the right insurer to file a claim can be complex, particularly when the at-fault driver is not cooperative.
A Pueblo Uber/Lyft accident lawyer could guide you through this confusing legal process. Call today to learn more about your options.