Who is Liable in an Uber Accident?
Rideshare services such as Uber and Lyft make it a convenient way to get around town and be just as safe as driving yourself. However, it’s still important to remember that getting into an Uber or Lyft car doesn’t mean you can entirely avoid an accident. Rideshare accident claims can be complicated to navigate, and multiple parties could be involved in liability. Here’s a breakdown of how Uber and Lyft accident claims work.
Investigating Who is at Fault
There are two ways someone can be involved in a rideshare accident — as a rideshare passenger or a vehicle driver that crashes with a rideshare vehicle. Liability will depend on who is at fault for the accident, and the following must be proved:
- The person has a duty of care (all drivers must operate and drive their vehicle carefully and responsibly and obey traffic laws)
- The person had breached the duty of care (texting while driving, speeding, driving while intoxicated, etc.)
- You were injured as a result of the accident (your injuries were not pre-existing)
Missouri is an “at-fault” state, which means that the insurance settlement will come from the driver’s insurance company, who caused the accident. Multiple parties could be held liable for an accident. For example, both drivers can share fault, or if a defective car part was the cause of an accident, the manufacturer could also be responsible.
Insurance Requirements for Uber and Lyft Drivers
Typically, drivers are covered by their personal auto insurance policies. However, personal insurance policies have a business-use exclusion. When an Uber or Lyft driver picks up a rider, they do not have liability or collision insurance under their personal policy. However, that does not mean that you cannot file a claim if the rideshare driver is responsible for your injuries. Read on to learn how to pursue a rideshare accident claim.
Liability Coverage by Rideshare Companies
The good news is, Uber and Lyft provide $1 million in liability covered to their drivers. Still, there are some parameters that the rideshare drivers are responsible for after picking up a customer. For example, if the rideshare driver isn’t logged into their Uber or Lyft app, no coverage is provided.
Rideshare services and the laws that oversee them can change at any time, which means your claim may come with some “red tape.” Having a car accident attorney who’s experienced in handling Uber and Lyft accident settlements can have a positive impact on the outcome of your case.
Hurt in a Rideshare Accident? We Can Help.
Typically people use rideshare services to ensure a designated driver when out on the town with friends — and a safe ride is expected. However, when your rideshare driver gets into an accident, it can be a scary experience. Uber and Lyft accident claims can be complicated, so it’s critical to enlist the help of a skilled car accident lawyer. If you’ve been injured in a rideshare accident, we’ll fight to ensure you receive the maximum compensation you deserve. Our experienced attorneys are here to walk you through every step of the process.
Call Peterson & Associates, P.C. today at 816-888-8888 to speak with an attorney about your potential case. We are offering consultations via phone, email, and video conferencing for your convenience.