If You’re Injured in an Uber of Lyft Accident, Do You Have Insurance Coverage?

If You’re Injured in an Uber of Lyft Accident, Do You Have Insurance Coverage?

Ridesharing services such as Uber and Lyft have become increasingly popular as they are an easy way to travel. Chances are whether traveling in a new city or going out to local bars, you have used a rideshare service to get to and from your destinations safely.

Yet, what if the unthinkable happens and your driver is involved in an accident, and you are injured? Are you covered? Whose insurance is responsible? We take a closer look.

 Do Rideshare Drivers Have Insurance Coverage to Protect Me if They Cause an Accident?

 Ridesharing drivers are required by companies such as Uber and Lyft to have their own insurance coverage. The issue with this is that since drivers are using their cars for a business, they should have what is known as commercial insurance coverage.

Yet, premiums are high, therefore most drivers only have personal insurance coverage instead of a commercial policy.

If your driver was at fault for an accident, many times their insurance is denied because they do not have a commercial policy. In some cases, drivers have a personal policy with provisions for rideshare, and in this situation, their insurance coverage can be applied for your injuries.

Do Rideshare Companies Have Liability Coverage if My Driver’s Coverage isn’t Enough?

If the driver’s insurance does not apply, or the driver’s insurance does not cover all of your damages, there is still an option for coverage. Generally, in these situations, Uber and Lyft can pay up to $1 million in liability coverage. However, depending on the number of passengers or the extent of the injuries, this coverage may not be enough.

What Happens if Another Driver is At Fault for the Accident?

 If another driver is at fault for causing an accident and you are injured, you should be covered under the at-fault driver’s insurance policy.

What if The Other Driver Doesn’t Have Insurance?

 If the at-fault driver does not have insurance or is underinsured, Uber and Lyft have Uninsured and Underinsured Insurance Coverage. In these cases, the ridesharing companies generally provide up to $1 million in coverage for your injuries. Keep in mind that this may not be enough coverage depending on the severity of injuries and number of passengers affected.

How Can a Rideshare Accident Lawyer Help Me?

As you can see, rideshare accidents are complicated, as multiple insurance companies are involved, and determining fault can be confusing. If you are seriously injured, your health and future are on the line, and you can’t risk not receiving the full compensation you need for your medical treatment and recovery.

An experienced rideshare lawyer understands the complexity of these accidents, and will apply their skills to help ensure you receive the full compensation you deserve.

Injured in a Rideshare Accident? The Goss Law Firm Can Help

 If you or a loved one has been injured in a rideshare accident, The Goss Law Firm can help. To learn more or to schedule a FREE consultation, call the Kansas City Rideshare Accident Lawyers at the Goss Law Firm at 816-527-8658 today.