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Hurt In An Accident As A Lyft Or Uber Passenger?

The popularity of ride-sharing services like Uber and Lyft have changed the way some motor vehicle accident claims are processed. Both Uber and Lyft carry a $1 million liability policy, but that insurance coverage only applies under specific circumstances. Sometimes it is the driver’s personal insurance that covers the accident. The factors that determine which policy covers the accident include who is at fault and the status of the driver at the time of the accident.

Who Is Liable In An Accident Involving A Rideshare Vehicle?

Liability in an accident involving a ride-sharing vehicle depends on who the at-fault driver is. If you are a passenger in a rideshare vehicle and the driver of another vehicle causes an accident, the other vehicle’s driver is at fault. You would file a claim against the driver who caused the accident with the vehicle you inside as a passenger. If the accident was caused by the driver of the vehicle you are a passenger in, things are a little more complicated.

This is how the insurance policy that covers Uber drivers breaks down liability:

  • When you are on a trip and the Uber app is on: Accidents are covered under Uber’s commercial insurance, including up to $1 million in third-party liability and $1 million in uninsured/underinsured motorist coverage.
  • When the Uber driver is in available status and the app is on: In this situation, Uber and the driver share fault. An accident claim would be filed against both the driver’s personal insurance and Uber’s contingent liability coverage.
  • When the Uber app is off: When the Uber app is off, the driver is not technically on the job. This would be handled like a standard accident claim against the driver’s insurance.

Uber and Lyft drivers are constantly monitored while on the clock. GPS records of where they traveled make it easy to place them at the scene of the accident and sometimes offer enough information to help prove fault. Many drivers also equip their vehicles with additional cameras. Footage of the accident can also be used to prove fault and reconstruct the accident.

If You Were Hurt In An Uber Or Lyft Accident, Contact Clayton Walker Morgan Law

At Clayton Walker Morgan Law, we have experience dealing with ride-sharing companies. If you were in an accident as a passenger in an Uber or a Lyft, we can help you get the compensation you deserve. To schedule a free initial consultation, call at 210-761-5681 or fill out my online contact form.