We will help you file an insurance claim, answer your questions about whether you can sue Uber or Lyft, and deal with the insurance company to negotiate a settlement on your behalf.
If you were hit by an Uber or Lyft driver and were injured, they may owe you compensation for your injuries and damages. To file a car accident claim, it’s essential to understand rideshare companies’ complex insurance coverage.
Navigating the aftermath of an Uber or Lyft accident is challenging. At Apicella & Schlesinger Attorneys at Law, we can help you navigate these complex legal issues. Do not talk to their insurance company until you speak with us.
Understanding Their Complex Insurance Coverage
Uber and Lyft drivers must have their insurance coverage. However, which policy is in effect and how much coverage is available depends on what they did when the collision occurred.
Uber and Lyft classify drivers as independent contractors and not employees. However, they provide various types of insurance coverage to their drivers during different situations. In most cases, the insurance coverage available depends on:
- If the rideshare driver was logged onto the app during the accident, they must use their personal insurance coverage for an accident they caused
- Whether the driver was transporting or matched with a rider
When an Uber or Lyft driver causes property damage to your vehicle, they are legally liable for the damages. Therefore, you must file a claim against the rideshare driver or the company to recover compensation for repairing or replacing your vehicle. If you also suffered physical injuries, your car accident lawyer will likely manage this claim for you.
Who Pays for Your Injuries and Damages?
When you make a car accident claim, you must prove who was at fault for the accident and how the accident harmed you. The driver who caused the accident — or their insurance company— is generally liable for paying for your medical bills, lost wages, pain and suffering, and other losses related to the accident.
The situation becomes a little more complicated when a rideshare driver is involved in an accident. Most personal car insurance policies don’t cover accidents when a vehicle is used for commercial purposes. However, Uber and Lyft have resolved this problem by offering liability insurance to their drivers once they log into their app and are available for ride requests.
Your Uber accident lawyer at Apicella & Schlesinger will help determine who is responsible for paying for your injuries and losses. We will help you file an insurance claim, answer your questions about whether you can sue Uber or Lyft, and deal with the insurance company to negotiate a settlement on your behalf.