Liability for Ridesharing Accidents: What You Need to Know
Uber, Lyft, and other ridesharing apps certainly have their benefits. They make it easier to avoid drinking and driving, since many people shy away from the high costs associated with taxis and the annoyance of calling and setting up a ride. They are also very cost-efficient, providing individuals an inexpensive way to get around their city without breaking the budget.
However, there are downsides to consider. Ridesharing drivers often pull long shifts to make the money they need to get by. This means that you could end up in the car with a fatigued driver. If you are injured in a ride sharing accident, find out how Ron Aslam Law Office can help. Call us at 502-581-1676 to discuss your legal needs now.
Causes of Ridesharing Accidents
Ridesharing accidents occur for the same reasons as any other vehicle accidents, but there are some unique circumstances that can contribute to these types of accidents. Drivers are paid for the ride, not necessarily for the amount of time it takes to get there. Because of this, they may be tempted to take shortcuts or risks that they wouldn’t otherwise take. Crashes are often linked to:
- Distracted driving
- Driving while fatigued
- Driving while impaired
- Unsafe lane changes
- Road rage or aggressive driving
- Failure to yield right of way
Figuring Out Liability
Liability comes down to determining whether the driver of the vehicle you were in caused the crash or the other driver. In some cases, neither is at fault; the accident is traced back to malfunctioning equipment or a poorly done repair. These situations are fairly rare as most car accidents are linked to driver negligence rather than vehicle malfunctions.
If the driver of the other vehicle is at fault, you pursue compensation the same way you would any other car accident. With the help of an attorney, you gather evidence showing that they are liable for your injuries and go to their insurance company to ask for compensation.
If the rideshare driver of the vehicle you’re in is responsible, you must go through their insurance for compensation. Once their insurance is maxed out, you can then recover the rest of what you are owed from their Uber or Lyft insurance plan.
Personal Injury Protection
Kentucky is a no-fault state for car accidents. This means that drivers must have at least $10,000 of personal injury protection, although they are generally able to buy up to $50,000 of coverage. Your expenses should be paid out of this fund first and foremost, but this can get complicated if the driver is also injured or if there are other injured passengers in the vehicle.
What Does Uber Insurance Cover?
Your driver’s personal auto insurance policy may not include commercial activity, in which case you have to go straight to Uber for compensation. Uber does provide insurance coverage for drivers, but the amount is based on whether they are looking for customers or currently driving customers. This is why it is important to only engage in ridesharing through the app. Going outside the app to avoid higher charges or fees can leave you without recourse if you are injured.
When the Uber driver has accepted a ride and passengers are in their vehicle, Uber has $1 million of coverage available if the driver causes a crash or does not have enough insurance to cover the damage they cause.
Do not expect Uber or Lyft insurance to be any easier to work with than other insurance providers. They will engage in the same tricks to minimize your payout and limit their own liability. Instead of communicating directly with the insurance provider after an accident, hire a personal injury attorney to negotiate on your behalf. An attorney will be in a better position to figure out liability and determine who should be paying for your losses. This allows you to focus on healing while they handle the legal side of the accident.
Contact Us for Help After Your Ridesharing Accident
After a ridesharing accident, it is important to hire an attorney as quickly as possible to fight for the compensation you deserve. Ron Aslam Law Office has the aggressive, dedicated service you need. Learn more about your options now and get more personalized advice by calling us at 502-581-1676 or connecting with us online.