What Happens When Ridesharing Turns into an Uber Disaster?

If you’re injured in a rideshare accident, your first step should always be to call 911 and seek immediate medical attention. Even if injuries seem minor, documentation is essential. Be sure to take photos or videos of the accident scene, collect witness statements, and gather contact information. Maintain detailed records, including medical bills, doctor’s reports, and proof of lost income if you’re unable to work. These steps are crucial when building a strong case, especially since rideshare accidents often involve complex insurance and liability issues.

Yes, both Uber and Lyft typically carry liability insurance that covers up to $1 million for injuries sustained while the driver is logged into the app and either en route to a pickup or transporting a passenger. This coverage, however, depends on the driver’s activity at the time of the accident. If the driver was not logged in or available for rides, the company’s policy may not apply. Victims should file a claim with the rideshare company to initiate a coverage review and determine whether its policy applies to their injuries.

While Uber and Lyft offer their own insurance coverage, the driver’s personal auto policy may still play a role. In Florida, drivers must carry at least $10,000 in personal injury protection and $10,000 in property damage liability. If the driver was not logged into the app or if certain damages exceed the rideshare company’s limits, the personal policy may offer additional compensation. Understanding which policy is active at the time of the accident is essential and often requires legal expertise.

Rideshare companies typically classify drivers as independent contractors, not employees, which can complicate direct liability claims against the company itself. However, depending on the facts of your case, it may still be possible to pursue legal action against the rideshare company or the driver for negligence. Working with an attorney experienced in rideshare accident litigation will help you determine the best path forward and whether pursuing a lawsuit is a viable option for compensation.

A personal injury attorney experienced in rideshare accidents can be an invaluable ally. They will investigate the accident, identify liable parties, manage communications with insurers, and build a strong case to support your claim. Since rideshare accident law is evolving and involves overlapping insurance policies, your attorney can navigate these complexities to ensure you receive the maximum compensation possible for medical bills, lost wages, and pain and suffering.

Unlike typical auto accidents, rideshare accidents involve multiple parties and insurance policies, including those of the driver, the rideshare company, and possibly other involved drivers. Determining which policy applies and how much coverage is available requires a thorough investigation. Additionally, because Uber and Lyft operate under unique legal frameworks, the process for seeking compensation is more involved and can be daunting without legal assistance.

Leighton Panoff Law has extensive experience handling complex rideshare and vehicle accident cases. Our team understands the evolving legal landscape surrounding companies like Uber and Lyft and will advocate fiercely on your behalf. From dealing with insurance companies to navigating the intricacies of liability and coverage, we ensure your rights are protected every step of the way. Contact us at 888.988.1774 for a consultation to discuss your case and learn how we can help you recover the compensation you deserve.