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Lyft and Uber Accidents: 4 Ways They Differ From Other Car Wrecks

Published on September 24th, 2020

Car Accident Lawyer

Rideshare services can provide individuals with transport to work, important appointments or even if they need a quick lift across town. Companies like Uber and Lyft are usually popular in larger cities, and despite this convenience, heavy traffic and a large populace may increase the risk of an accident. If you become involved in a rideshare accident as either a passenger or a motorist, you may want to remain aware of how this wreck may differ from other crashes involving private drivers.

  1. App Status 

Recovering financial compensation for a rideshare accident may depend on the status of the driver at the time of the wreck. Lyft and Uber drivers must sign into their company’s app before picking up and transporting passengers, and once they are on active status, they are covered by the rideshare’s insurance policy. This coverage pays for medical costs and property damage. If a driver is not signed into the app at the time of the accident, he or she must proceed through individual insurance coverage.

  1. Vehicle Occupancy

Whether there is a passenger in the Uber or Lyft vehicle during an accident can affect the amount of coverage that protects you as a driver. If the driver is signed into the app and searching for passengers, the coverage is typically less than it would be when the driver is carrying an individual. Drivers are typically covered for injuries up to $50,000 in this instance.

  1. Property Damage Coverage 

As someone who becomes involved in an accident with an Uber or Lyft driver, recovering property damage costs can hinge on whether the driver was signed into the app. If this is the case, the driver is typically covered for $25,000 in property damage for his or her vehicle and any other damage incurred.

  1. Insurance Coverage 

If a driver is carrying passengers and causes an accident, the rideshare insurance overrides any personal policy he or she carries on a vehicle. This may work in your favor in most cases, as both services cover their drivers up to one million dollars when they are actively transporting passengers. However, if the driver carries more property damage insurance on his or her insurance than the rideshare company does, you will likely not be able to benefit, as the commercial insurance is what covers the driver during his or her time of service.

Recovering from a car accident with a rideshare driver can be a confusing process because of how it differs from a wreck with another singular driver, but there is help available. Contact a car accident lawyer, like from David & Philpot P.L., today for further information.

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