Rideshare services like Uber and Lyft are increasingly popular. Rideshare services are quick and convenient, but you can get quite confused figuring out how these companies provide insurance coverage to their passengers – and to anyone else injured in a collision involving Lyft or Uber.
What happens when a motorist – or a motorist’s passenger – is injured in a collision with a vehicle that is being used as a rideshare vehicle? Who pays for the injuries, damage repairs, lost wages, and the other losses and damages? Can a San Antonio car accident lawyer help?
How does insurance coverage work for Uber and Lyft? Will you be fully compensated if you’re injured in a crash involving either company? And if you are injured, where can you find the legal help that you will very much need?
WHAT INSURANCE COVERAGE APPLIES TO UBER AND LYFT VEHICLES?
Lyft and Uber drivers use their personal vehicles, so if a Lyft or Uber driver is involved in a collision when he or she is not logged in and is not working, that driver’s personal auto insurance applies – like any other collision in Texas involving non-commercial vehicles.
Texas requires every driver to carry at least $30,000 of liability coverage for one person’s injury or death and $60,000 of liability coverage for multiple injuries or deaths in a single accident.
Rideshare insurance is complicated. If an Uber or Lyft driver is logged in and waiting for a ride request, rideshare insurance provides $50,000 of liability coverage for one person’s injury or death and $100,000 of liability coverage for multiple injuries or deaths in a single accident.
When a Lyft or Uber driver is on the way to pick up a passenger or is transporting a passenger, rideshare insurance coverage provides $1 million of liability protection to cover third parties including rideshare passengers.
FOR SEVERE INJURIES, IS RIDESHARE INSURANCE COVERAGE ADEQUATE?
Lyft and Uber also carry $1 million of uninsured/underinsured motorist coverage. But that liability and uninsured/underinsured motorist coverage may not be enough to compensate victims who sustain the most catastrophic and disabling injuries.
If you sustain any personal injury or injuries in a Texas traffic accident that involves an Uber or Lyft vehicle, you must be advised and represented by an experienced San Antonio personal injury attorney, and you will need to obtain that legal advice and representation immediately.
If you’ve been permanently disabled or paralyzed because of another driver’s negligence, or if you have sustained a traumatic brain injury or a severe spinal cord injury, you will require the maximum available compensation to pay for surgeries and long-term medical care.
In the most egregious cases, the amount you will need may be substantially more than a million dollars. This is about a lifetime of medical care.
WHO CAN HELP IF YOU’RE INJURED IN A LYFT OR UBER ACCIDENT?
Every case is unique, so anyone who is injured in an accident involving Uber or Lyft will need to be represented by an aggressive Texas personal injury lawyer who knows what it takes to win the compensation – and the justice – that an accident victim deserves and needs.
However, if you are injured in an accident that involves Uber or Lyft, there will not be an attorney at the accident scene to advise you, so it will be up to you to gather whatever documentation you might need later as evidence for a personal injury claim.
WHAT WILL YOU NEED TO DO AT THE ACCIDENT SITE?
At the accident scene, seek medical attention at once for yourself and for anyone else who is injured. That is the overriding and immediate priority.
Get the names of every driver involved, their telephone numbers, addresses, and as much insurance information as you can. Call the police, and make sure that you will receive a copy of their written accident report when it is completed.
If you are not incapacitated by the accident, take as many photographs as you can. If you are physically unable, ask for someone’s help. Photographs can be powerful evidence in personal injury cases that arise from traffic collisions.
Make certain that you have pictures of the vehicle damage, license plates, the surrounding crash site, and your visible injuries.
Also, try to get names and phone numbers for any eyewitnesses or any contact information that may help your attorney reach an eyewitness if a statement or testimony will be needed later.
HOW SHOULD YOU DEAL WITH THE INSURANCE COMPANY?
You should not speak to the rideshare operation’s insurance company before you have consulted a Texas injury lawyer. Investigators and claims adjusters may twist what you say. They may be looking for any reason to reject your injury claim or to offer you less than your claim is worth.
After you have been injured in any accident that involves Lyft or Uber, let a San Antonio personal injury attorney negotiate with the insurance company on your behalf.
Your attorney will be an experienced negotiator who knows how insurance companies operate – and who knows what it takes to prevail in a settlement negotiation.
You’ll be able to refer all of an insurance company’s inquiries and questions to your attorney – while you focus on healing and recuperating.
All Lyft and Uber passengers are now covered “theoretically” by a million dollars of liability insurance, and it does not matter which driver was at-fault, but you still must have an attorney’s help.
WILL YOUR INJURY CLAIM BE PAID?
A rideshare operation’s insurance company is like any other insurance company. If you file a claim, there is no guarantee that it will be paid.
Most insurance companies in Texas are operated professionally, but some companies may delay your payment, make only low settlement offers, or even reject your claim entirely.
As the regulations governing companies like Lyft and Uber change and evolve, if you are injured in any traffic crash in Texas that involves a rideshare company, let a qualified San Antonio injury attorney explain how personal injury law applies to your particular case.
If you have been injured by negligence in Texas, you are entitled to compensation, and a good lawyer’s help is your right. In fact, if you have been injured, your health and future may be at risk, and you must get the legal help you need – at once.