What to do after a Car Accident with Uber or Lyft

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Regardless of how good of a driver you are, the more often you drive the more likely you are to get into a car accident. When the time comes and you have an accident involving a ridesharing driver, you need to be prepared.

There are several things you need to consider in preparation for a car accident involving a rideshare driver. First, you need to identify which insurance policies provide you coverage. For rideshare drivers, this is dependent on what “period” the rideshare driver was in when the accident occurred. The breakdown is as follows:

  • Offline
    • Description: Uber or Lyft app turned off
    • Insurance Coverage: driver’s chosen insurance company and coverages
  • Period 1 (Available)
    • Description: Uber or Lyft app is turned on, and driver is waiting to be matched with a potential rider
    • Insurance Coverage:
      • Liability (damage to others): Uber or Lyft’s liability coverage will be primary ($50K per injury/$100K aggregate)
      • Collision (damage to your own vehicle): driver’s chosen insurance company + special coverage*
  • Period 2 (En Rotue)
    • Description: Driver has been matched with an Uber or Lyft rider, and is en route to pick him or her up.
    • Insurance Coverage:
      • Liability: Uber or Lyft’s policy will provide primary coverage for liability ($1M Liability and $1M Uninsured/Underinsured Motorist Injury)
      • Contingent Collision: Uber or Lyft pays for damage to driver’s vehicle if driver maintains auto insurance that includes collision
  • Period 3 (On Trip)
    • Description: Driver has picked up Uber or Lyft rider, and is traveling to the rider’s desired destination.
      • Liability: same as Period 2
      • Contingent Collision: same as Period 2

Whether you are a ridesharing passenger, ridesharing driver, driver in a different vehicle, or passenger in a different vehicle, Cannon Law has you covered. We have already handled multiple cases involving ridesharing vehicles and have represented ridesharing drivers, passengers, and other drivers hit by a ridesharing vehicle. Call the Cannon today and let Cannon Law take it from there.

*Note: as of July 2015, California now requires that Uber or Lyft provide liability coverage for rideshare drivers during Period 1. However, the requirement is only for liability coverage (damage to others), and doesn’t require coverage for collision or other damages to the driver’s car. Drivers themselves are also not protected if they are hurt in an accident that is their fault, though the companies’ policies cover bodily injury to passengers and others. Rideshare drivers must now purchase special insurance policies that explicitly cover Period 1 accidents.

If you have been injured in a Car Accident, CALL THE CANNON today for your FREE CONSULTATION at 1-888-877-7141.