With the tremendous increase in popularity of rideshare services such as Uber and Lyft, getting a quick and inexpensive ride is easier than ever before. Unfortunately, despite their convenience, these services have also introduced several complications in regards to liability in the event of a collision, making it difficult for injured parties to pursue compensation following a crash.
Rideshare Companies Are Considered Tech Providers
Although many believe otherwise, rideshare companies like Uber and Lyft are not actually transportation companies; instead, these companies merely provide riders and drivers with the technology required for them to meet up with each other. For this reason, rideshare companies are able to shift much of the liability to drivers in the event of a collision. With that being said, rideshare companies do have liability coverage policies which protect passengers in the event of a collision.
Liability and coverage under these policies will depend on how the driver was using their car at the time of the collision. Possible scenarios specific to Uber are as follows:
- If the driver was using his or her vehicle for personal purposes and was not available to pick up passengers, drivers are covered under their own personal auto insurance with liability and coverage limits being based on their individual policy and state law.
- If the driver is available to pick up passengers but is not carrying one at the time of the crash, the accident is primarily covered by the driver’s personal insurance company. Additional coverage of $50,000 per injury up to $100,000 and $25,000 in property damage is available by request in the event that a driver’s insurance does not cover all damages.
- If the driver is carrying passenger at the time of a crash, the driver and passenger are both covered by Uber’s $1,000,000 liability policy. This also applies to accidents with uninsured or underinsured drivers.
Unfortunately, as is the case with most insurance-related matters, actually receiving this coverage is much easier said than done. Uber and its insurance company do not want to pay a penny more than is necessary, and they may attempt to limit or deny you coverage to guard their profits. Likewise, in situations where rideshare companies deny liability, pursuing compensation from a driver’s insurance company can be difficult, as many personal insurance policies exclude injuries which occur while a driver is working.
Injured? Contact Brunkenhoefer, P.C. Injury Attorneys
If you have been hurt in a crash involving an Uber or Lyft driver, the Corpus Christi car accident lawyers at Brunkenhoefer, P.C. Injury Attorneys can ensure you receive every penny’s worth of your entitled compensation. Backed by a track record of millions recovered and a prestigious AV® Preeminent™ Rating by Martindale-Hubbell® for our unparalleled service, we have what it takes to get the results you need.
Call (855) 812-1100 today to schedule your confidential and free case review.