Posted On November 23, 2020 Car Accidents

Can I File a Lawsuit Against Uber or Lyft After an Accident?

Uber and Lyft have become household names, and many people in and around our area depend on these services for transportation each day. However, accidents involving Uber and Lyft vehicles do occur. When this happens, victims need to know how they can secure compensation for their injury expenses and other damages. Unfortunately, accidents involving Uber and Lyft vehicles can be complicated. It may be possible to file a lawsuit against either of these rideshare companies, but they have both successfully insulated themselves from liability in most cases.

Uber and Lyft Drivers Are Independent Contractors

By now, most people are aware that Uber and Lyft have fought very hard to ensure that their drivers are classified as independent contractors. This is important because it effectively means that neither rideshare company can be held directly responsible for most accidents that occur, even if their drivers cause them.

Both Uber and Lyft operate on a tiered system when it comes to insurance claims. If an accident occurs when a rideshare driver is on duty, signed into the app to work, and has a passenger (or is on the way to pick a passenger up), then both Uber and Lyft have $1 million these policies that cover every party involved. This includes passengers inside the rideshare vehicle, drivers and passengers in other vehicles involved, as well as bystanders (pedestrians and bicyclists) who may be involved. This $1 million insurance policy is going to be the go-to to obtain compensation in these scenarios.

However, if a rideshare driver is on duty and signed into the to work but does not have a passenger, the situation is going to be handled differently. In these cases, the driver’s personal insurance carrier is going to be responsible for providing coverage to any person injured in a crash caused by the rideshare driver. Uber and Lyft both have supplemental insurance policies that can kick in in these situations, but only if the personal carrier denies a claim or if the policy limits are insufficient to cover the expenses.

Lastly, if a rideshare driver is not signed into the app to work when they cause a crash, they are considered to be on their own time, and responsibility for any crash will fall onto their personal insurance carrier.

Drivers for Uber and Lyft are just like any other driver on the roadway. They typically do not have any additional driver training, and they are operating in their personal vehicles. Rideshare collisions are going to occur, and it is crucial that victims in these cases secure the compensation they deserve. While it may be very difficult to file a lawsuit against Uber and Lyft directly, it is important to have an Upland car accident lawyer by your side who can obtain maximum compensation through the insurance policies involved.

Contact an Attorney for Help Today

If you or somebody you care about has been injured in an Uber or Lyft accident, you should speak to an attorney as soon as possible. These cases can become incredibly complex, and it is very likely that multiple insurance carriers will be in dispute about who is responsible for paying injury and damage expenses. When you work with a skilled attorney for help with your case, you are gaining an advocate who will work on your behalf to obtain full compensation for your losses.

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