Whether you need a ride to the airport in the morning or a ride home after a night of drinking, Uber and Lyft have become a popular mode of transportation in recent years. If you need a ride, you simply request one using an app on your cell phone and a driver will show up shortly, rather than flagging down a taxicab or waiting for the bus or train to arrive according to schedule.
But what happens if you are injured in a car accident while riding an Uber or Lyft vehicle? In general, the insurance company from the at-fault party—if it’s the rideshare driver or a third party—or from Uber or Lyft’s auto insurance policy.
The following are the two common scenarios if a passenger was involved in an Uber/Lyft accident:
- The Uber or Lyft driver is at fault – If a rideshare driver caused a car accident that led to your injuries, the driver’s car insurance coverage will apply. However, the Uber/Lyft driver’s personal auto insurance will only apply if they have a commercial insurance policy or a special provision for rideshare operation. If a rideshare driver doesn’t have any of these provisions, then Uber or Lyft’s auto insurance will apply. Both companies carry up to $1 million in third-party liability insurance coverage.
- Another driver is at fault – If a third-party driver causes a car accident, you would attempt to recover financial compensation for your injuries through that person’s auto insurance provider. However, if the third-party driver doesn’t have adequate insurance, Uber and Lyft also has uninsured (UM) and underinsured (UIM) insurance coverage that is up to $1 million per accident.
If you have been injured in an Uber/Lyft accident in Dallas, TX, contact the Law Offices of Robert Gregg today at (214) 891-7536 and schedule a free consultation.