Car accidents are inevitable with negligent drivers and increasing distractions in cars (see our post about texting and driving!). With ride-sharing apps becoming more and more popular, it is also inevitable that car accidents will happen between these drivers as well. Fortunately, Uber and Lyft have policies to protect drivers and passengers involved in automobile accidents.
What should you do if you are in a car accident while riding in an Uber or Lyft? Who is responsible?
With Uber, here are three different stages of liability coverage. If a driver is simply driving and does not have a fare or anyone they are picking up, their personal car insurance company is responsible for any damages. Once they have accepted a customer and are on the way to pick up the customer, the Uber driver is covered by their own car insurance policy AND additional contingent liability coverage provided by Uber. The moment the Uber driver picks the customer up, Uber provides insurance coverage with limits of $1,000,000 per occurrence.
Lyft provides four coverages in their insurance policies: contingent liability, primary automobile liability, contingent comprehensive & collision, and uninsured/underinsured motorist. Like Uber, Lyft only provides coverage to its drivers once a customer has been picked up and the driver mode is on.
Fortunately, Uber and Lyft have policy limits of $1,000,000 per occurrence. They also cover uninsured or underinsured motorists, meaning that passengers are protected when the car they are riding in is hit by another negligent driver who does not have insurance, or has too little insurance to pay your medical bills and make you whole. Following the accident, you will need to send a report on your app, then immediately call a personal injury or auto accident attorney, since an Uber of Lyft representative will call you to discuss the details of your claim as soon as you send the accident report. If for some reason you have not been able to talk to a personal injury or auto accident attorney before they call you, be careful NOT to give a recorded statement as they will try to use it against you later on in the claims process (see our post about giving the insurance company a recorded statement!).
If you are involved in an accident while driving an Uber, report it on your app. Briefly tell Uber what happened, and a representative will reach out to you and provide an Incident Report Form that you will fill out to submit a coverage claim.
Before an insurance carrier contacts you, you will need to locate your personal insurance declarations page. This page lists the specific coverages for your vehicle that you will need to tell the insurance representative about. If physical damage coverage is available, you’ll be responsible for a $1,000 deductible. If you’ve been injured, be sure to call a personal injury or auto accident attorney BEFORE speaking with the insurance representative.
If you are in an accident while driving a Lyft, call a representative on Lyft.com, file a claim with your personal auto insurance provider, and provide proof of personal insurance to relevant parties at the scene of an accident. The contingent coverage plans have a $2,500 deductible and a $50,000 maximum for physical damage to your vehicle.
If you’re injured in an accident while riding in an Uber or Lyft, feel free to call us for a free case evaluation or email firstname.lastname@example.org