While Uber’s U.S. Safety report brags that it logs four million trips a day in the United States alone, it fails to provide any mention of the total number of accidents its drivers are involved in each day. If you find yourself in an accident involving a rideshare driver, you may soon encounter various complications.
The Hilton Head Island Uber and Lyft rideshare accident lawyers from George Sink, P.A. Injury Lawyers can help you sort out your claim and determine all potentially available sources of compensation.
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Which Insurance Policy Applies to Your Accident
Depending on when the accident occurred during the ride, there may be one or more insurance policies that apply. This is what you should know about the different insurance policies that may apply and the legal complexities surrounding this issue.
The Rideshare Driver’s Private Insurance
The South Carolina Department of Insurance affirms that all drivers are required to maintain liability insurance that covers injuries they cause to others due to their negligent actions in the following minimum amounts:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to more than one person per accident
- $25,000 property damage
- $25,000 uninsured motorist coverage for bodily injury to one person
- $50,000 uninsured motorist coverage for bodily injury to more than one person per accident
However, S.C. Ann. Code § 58-23-1625 allows insurance companies to specifically exclude claims from a personal liability policy when the driver is involved in a car accident while working for a transportation network company. If the driver is not logged into the app at the time of the accident, his or her personal insurance should cover the accident.
Additionally, the rideshare program will usually require that the driver submit a claim with his or her own insurance—even if the driver was working at the time of the accident—before it processes the claim through the company’s insurance policy. However, you may have to deal with denials first.
The Rideshare Company’s Insurance Policy
Uber and Lyft provide liability insurance in the following amounts when the driver is actively waiting for a rideshare request (but does not have a passenger):
- $50,000 for bodily injury to one person
- $100,000 for bodily injury for more than one person per accident
- $25,000 in property damage per accident
However, additional insurance is provided by the rideshare company if the driver has accepted a request or is transporting the accident victim. This policy provides up to $1 million in liability coverage. Additionally, the rideshare program provides up to $1 million if the passenger is injured by an uninsured or underinsured driver.
A Third Party’s Insurance Policy
If you are a passenger in a rideshare vehicle, your rideshare driver may not be responsible for the accident. Another driver could have been negligent by drinking and driving, speeding, or partaking in other dangerous behavior. In these situations, you may need to file your claim with the insurance company that insures the negligent driver.
Because there may be various insurance policies in place which may apply during this type of accident, it is important to take contact information from all drivers involved. Take the personal and rideshare insurance information from your rideshare driver.
A Hilton Head Island Uber and Lyft rideshare accident lawyer can go over this information with you if you have any questions.
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How Our Personal Injury Lawyers Can Help With an Uber or Lyft Accident
The moments after a car accident are often confusing. This is no different in rideshare accidents. Our personal injury lawyers can assist you with your claim by:
Notifying the Rideshare Company
We can use the information stored in the app to make a report with the rideshare company and request information about the relevant insurance policies.
Reviewing the Accident Report
Our lawyers can review the accident report to identify all potentially liable parties, including the rideshare driver and any third parties. We can also identify potential eyewitnesses and interview them based on the information in the report.
Negotiating a Fair Settlement
We will calculate the full extent of your damages and negotiate a fair settlement on your behalf. Some insurance companies may try to get out of paying you, but we will not stand for that.
We can get the evidence that we need to support your claim. This might include:
- Videos from security and traffic cameras
- Eyewitness and medical expert testimonies
- Your written account of the accident and how your injuries healed and how they affect
- The other driver’s cell phone records
- Any signs of the accident at the scene, like tire tracks or debris
If you were injured in a rideshare vehicle, it is important that you do not hesitate to contact our firm. We can get to work immediately on your claim.
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You Do Not Have to Pay Us Before We Handle Your Case
Our firm works on a contingency-fee basis. You will not have to pay us upfront. We know that money can be tight after an accident. You have medical bills and car repairs to worry about, all while supporting your family. We can help you seek financial recovery for these damages.
Our team will draw up an agreement with you before we get to work. That way, you know what we will take out of your settlement or judgement at the end of your case.
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Contact Us Today for Help With Your Rideshare Claim
Our Hilton Head Island Uber and Lyft rideshare accident lawyers are here to help you with every aspect of your claim. If a negligent rideshare driver (or other negligent driver) caused you damages, we can get to work immediately on your claim to pursue compensation.
Learn more by calling George Sink, P.A. Injury Lawyers. Our experienced personal injury attorneys are waiting to help you with your rideshare claim.
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