Rideshare services like Uber and Lyft are getting more and more popular. As these rideshare cars begin to make up more of the vehicles on the road, they are bound to become involved in a car accident.
It is important to determine whether any party was working when the auto accident occurred as early as possible in the process. You should make sure it is written in the police report if you were driving for Uber, Lyft or other company; if you were a passenger in a rideshare; or if the other party involved in the accident is a rideshare driver. If you can safely do so, check if the other vehicle has a rideshare decal.
When an Uber or Lyft driver gets into a car accident, there are additional questions of liability to consider. If you get hurt while riding in an Uber, who is responsible for your medical bills? If you are an Uber or Lyft driver that got into an accident, are you covered by the company’s insurance? Do you have to make a claim on your auto insurance if you got into an auto accident while driving for Uber or Lyft?
Whether Uber’s or Lyft’s insurance will cover your car accident generally depends on (1) whether the driver was at fault; and (2) if the driver had the app on at the time of the accident. The “status” of the driver is important to determining which insurance applies. You should consult with your attorney to determine what insurance coverage is available.