As more and more people choose ridesharing apps, like Uber and Lyft, over more traditional forms of transportation, the risk of being involved in a rideshare accident also increases. These types of incidents are often very complex, as rideshare drivers are employed as independent contractors, but they are not always covered by their employer’s insurance. Only when the rideshare driver has the app switched on (or, in other words, is actively seeking passengers or is driving a passenger for rideshare purposes) is he/she covered by the rideshare company’s insurance. Even then, there are often differing coverage levels, depending on the circumstances.
If you were injured in an accident involving a rideshare driver—whether as a passenger, a motorist in another vehicle, or even a bicyclist or pedestrian—it is important that you seek legal counsel from an experienced attorney. At Anastopoulo Law Firm we have spent more than 25 years assisting injured individuals throughout South Carolina; we understand how to navigate the complexities involved in rideshare accident claims and can help you work to recover the maximum compensation you are owed.
Give us a call at (800) 313-2546 or contact us online today for a free consultation with a rideshare accident lawyer in South Carolina. If we don’t recover compensation for you, you don’t pay.
Who Is Liable for Rideshare Accidents?
In order to be hired by Uber or Lyft (as well as most other major rideshare companies), drivers must have their own auto insurance. However, in most cases, drivers are not covered by their private insurance while they are driving for pay. To make up for this gap in coverage, both Uber and Lyft offer insurance coverage for drivers in “driving mode.” The extent of this coverage varies depending on the situation. It is also important to note that, in most case, rideshare coverage only applies after the driver’s private insurance has paid the injured individual/individuals first.
Generally speaking, Uber and Lyft offer the following coverage for drivers who are actively driving for their respective companies at the time of an accident:
If the driver is in “driving mode” but does not have a passenger:
- Up to $50,000 for each injured person
- Up to $100,000 total injury coverage per accident
- Up to $25,000 for property damage
If the driver is in “driving mode” and does have a passenger:
- Up to $1 million total coverage
For example, if an Uber driver has the app switched on and is actively looking for a passenger (but has not yet picked someone up) and he rear-ends another driver stopped at a stoplight, the injured driver who was rear-ended may be able to receive up to $50,000 for her injuries, as well as up to $25,000 in property damage. If, on the other hand, a Lyft driver has picked up a passenger and she causes an accident in an intersection, the passenger and anyone else injured in the accident may be able to recover compensation that does not exceed $1 million total.
In contrast, if an individual who occasionally drives for Uber or Lyft causes an accident while he is not in “driving mode,” anyone injured in the accident may only seek compensation through the driver’s private auto insurance provider.
Coverage for Rideshare Drivers
While popular rideshare companies like Uber and Lyft offer substantial coverage in the event that their drivers cause an accident that injures other people, this same coverage does not apply to any injuries or property damage that the rideshare driver sustains in the accident. In general, Uber and Lyft drivers are not covered by Uber or Lyft. Instead, if they are injured in an accident, they must go through their own private insurance provider.
One notable exception is Uber and Lyft’s contingent collision/comprehensive coverage. If an Uber or Lyft driver has collision/comprehensive coverage through his or her own private auto insurance policy, Uber/Lyft will cover property damage to the Uber/Lyft driver’s vehicle in the event of a crash, regardless of fault. This coverage will not exceed the total cash value of the vehicle and is subject to specific deductibles which differ between the two companies.
Contact Our Firm to Discuss Your Options
If you were involved in an accident with an Uber, Lyft, or another rideshare vehicle, you may have several options available to you. Our South Carolina rideshare accident attorneys can help you clearly understand all of your legal options so that you can work to recover the maximum compensation you are owed. We understand the immense impact an accident can have on your life. You are likely concerned with obtaining proper treatment, paying your medical bills, and navigating the new difficulties brought about by the accident. Let Anastopoulo Law Firm handle your rideshare accident claim so that you can focus on healing.
Call (800) 313-2546 for a complimentary case evaluation today.