Rideshare apps are becoming more prevalent in recent years, with Uber and Lyft accounting for the majority of ride-hailing trips taken in Colorado Springs each year. According to The Gazette, ridesharing companies have grabbed up to one-third of the local market share in the Colorado Springs area, resulting in massive profit losses for local cab companies and existing traditional car services. This is felt especially hard in the airport transportation sector, where traditional taxis only account for about 39 percent of the current trips taken each year.
So, it’s no surprise that rideshare accidents are becoming more common as the market continues to grow. Here are four ways to be compensated in an Uber/Lyft accident in Colorado.
#1 – Pedestrian Struck by Uber/Lyft
If you are an innocent pedestrian and you are struck by a negligent Uber or Lyft driver, you will likely need to file a claim with the applicable rideshare company. Both services require that their drivers maintain commercial liability coverage in excess of their usual auto insurance. However, this additional coverage only takes effect when the vehicle is being used for ridesharing purposes. If the driver is off the clock or using the car for personal reasons, that driver’s own personal auto insurance will apply.
#2 – Driver or Passenger of Another Vehicle Struck by Uber/Lyft
If you are the driver or another vehicle or a passenger in another vehicle, and an Uber or Lyft driver hits you, then you will need to first determine if the rideshare driver was operating as a rideshare or using the vehicle for personal purposes. If the driver of the vehicle that you were in carries medical payment coverage, then you may have access to immediate benefits to help with the cost of medical care.
#3 – Passenger of Negligent Uber/Lyft Driver
Perhaps you hailed a rideshare vehicle and the driver carelessly was talking on the phone or texting. Maybe the driver simply did not stop for a stop sign or light. If your driver caused a crash that injured you, then you may have a claim against the driver and the rideshare company’s insurance policy. In many situations, more than one vehicle is to blame. If another vehicle shared responsibility, then you would likely have two separate claims to be handled. The negligent drivers’ insurance companies will have to work out what percentage of liability each will accept.
#4 – You Are a Rideshare Driver Injured by Someone Else
If you are the rideshare driver but someone else caused the crash, you may have a claim against the negligent driver’s insurance company. Many Uber and Lyft drivers believe they are entitled to workers’ compensation benefits. In truth, they are considered independent contractors and are not generally eligible for workers’ compensation. Instead, these rideshare companies are now offering optional insurance coverage that is sort of like workers’ compensation. In many ways, these operate as occupational accident insurance. Uber’s driver injury protection insurance offers up to $1 million in medical expenses and up to $500 per week in lost wage disability benefits.
Getting Help from a Colorado Springs Car Accident Lawyer is Easy
If you need help figuring out how to claim compensation for an injury involving a rideshare vehicle, call the Springs Law Group to schedule a free one-on-one consultation with an experienced car accident attorney near you. We never charge our clients for consultations, and we only get paid if we succeed. So you have nothing to lose and everything to gain by making the call.