Who Is Liable if I Am Injured in an Uber or Lyft Accident?

Rideshare services like Uber and Lyft are convenient and easy to use, but that can all change if you get into a crash. Once the dust clears, one of the most challenging parts is determining who is liable and pursuing compensation for damages. The process differs somewhat from other kinds of collisions, since the drivers are independent contractors. How does this work?

The rideshare driver may be liable if their negligent actions led to the accident. Examples include distracted driving, speeding, or violating traffic laws. Or, the rideshare company might share responsibility under certain circumstances.

Another driver involved in the accident could be liable if their actions caused the collision; a pedestrian or cyclist might be at fault. Finally, vehicle manufacturers may bear liability if a defective auto part contributed to the accident.

How Does Insurance Coverage Work for Rideshare Accidents?

Rideshare insurance coverage operates on a phase-based system that determines the applicable policy limits:

• Phase O:When the driver is not logged into the rideshare app, their personal auto insurance applies exclusively.
• Phase 1:When the driver is logged in but has not accepted a ride request, rideshare companies may provide limited liability coverage (often $50,000 per person for bodily injury).
• Phase 2:After accepting a ride but before picking up a passenger, coverage generally increases to approximately $1 million in liability coverage.
• Phase 3:While transporting passengers, maximum coverage applies, generally $1 million in liability plus additional coverages.

 How Do I File a Claim After a Rideshare Accident?

Filing a claim after a rideshare accident begins with reporting the incident through the rideshare application. Both major platforms have dedicated sections for accident reporting. Subsequently, you will need to contact the appropriate insurance companies, which may include the rideshare company’s insurer, the driver’s personal insurance, your own insurance, or another driver’s insurance.

Your claim should include thorough documentation of all injuries and damages. Medical records, bills, proof of lost wages, and evidence of pain and suffering will strengthen your position. Be mindful of the statute of limitations in your jurisdiction, as these legal deadlines restrict how long you have to file a lawsuit after an accident.

How Can a Lawyer Help With My Rideshare Accident Case?

A car accident lawyer experienced in rideshare cases can offer valuable assistance through the comprehensive investigation of accident circumstances and gathering evidence to establish liability. They can identify all potentially responsible parties and applicable insurance policies while calculating the full extent of your damages, including future medical needs.

Your lawyer can handle communications with insurance adjusters who often attempt to minimize claims. They bring negotiation experience for fair compensation based on similar cases and your specific injuries. If a fair settlement cannot be reached, they will represent you effectively in court proceedings.

How Can a Lawyer Prove Which Phase the Rideshare Driver Was In?

A lawyer can prove which phase the rideshare driver was in by requesting digital records from the rideshare company, such as GPS data, trip logs, and timestamps. These documents show whether the driver was logged into the app, waiting for a ride, en route to a passenger, or actively transporting one.

Our legal team also uses police reports, dashcam footage, and phone records to support the timeline. Witness statements and surveillance footage can further clarify the situation. By combining these sources, we build compelling cases that identify the exact phase and determine which insurance policies apply.

South Bend Car Accident Lawyers at Wilson & Kinsman, LLC Have Significant Rideshare Crash Litigation Experience

If you sustained injuries in a rideshare accident, our South Bend car accident lawyers at Wilson & Kinsman, LLC will guide you through the legal process. We understand the challenges you face and are committed to protecting your rights while you focus on recovery. For a free consultation, call 574-522-1900 or complete our online form. Located in Elkhart and South Bend, Indiana, we serve clients in St. Joseph County and throughout the state.