Setareh Law
July 16, 2024
Uber and Lyft have become go-to options for many individuals looking for convenient and affordable transportation. However, with the rise in popularity of these services, there has also been an increase in the number of accidents involving Uber or Lyft vehicles. If you have been involved in a rideshare accident, you may be wondering who is responsible for your injuries and damages. The answer can be complex and may depend on various factors.
At Setareh Law, we are well-versed in ridesharing accident cases and can help navigate these complexities to ensure your rights are protected and you receive the compensation you deserve. Our team of rideshare attorneys thoroughly investigates each case, considering factors such as the driver’s status at the time of the accident and the insurance policies involved.
Who Can Be Held Liable in a Rideshare Accident?
Determining who can be held liable in a rideshare accident involves examining the circumstances surrounding the incident. Firstly, the rideshare driver themselves can be held accountable, especially if their negligence or violation of traffic laws led to the accident.
In instances where the driver was actively engaged in a ride or on the way to pick up a passenger, Uber or Lyft might also share in the liability due to their insurance policies covering such periods. Uber and Lyft, as companies, maintain insurance policies that can cover damages and injuries resulting from accidents caused by their drivers under specific conditions, as previously mentioned. This coverage is pivotal in ensuring victims receive compensation without navigating the complexities of individual drivers’ insurance limitations.
Lastly, other drivers involved in the accident can also be liable, particularly if their actions contributed to the incident. In such cases, the liability falls under the other driver’s insurance, following the traditional fault-based system.
What Insurance Coverage Is Available in Rideshare Accidents?
In rideshare accidents involving Uber or Lyft, the insurance coverage available to victims hinges significantly on the driver’s status with the app at the accident’s time. Three distinct periods define this status: when the app is off, when the app is on but without an active ride, and when the driver is engaged in a ride.
If the app is off, the driver’s personal auto insurance is solely responsible for any damages, as the driver is not considered to be working for Uber or Lyft at this time. This scenario mirrors any typical car accident situation outside of the ridesharing context. The situation changes when the driver turns on the app but hasn’t accepted a ride yet. In this case, both Uber and Lyft offer contingent coverage. This acts as a safety net if the driver’s personal insurance does not fully cover the damages. The coverage includes certain limits for liability but may not be as comprehensive as when a ride is in progress.
The most significant coverage comes into play once the driver has accepted a ride and during the trip. During this period, Uber and Lyft provide commercial auto insurance coverage, which includes liability, uninsured/underinsured motorist protection, and contingent collision and comprehensive coverage. This insurance is designed to offer robust protection for both riders and third parties involved in an accident with substantial coverage limits.
How Setareh Law Can Assist You
Navigating the complexities of rideshare accident liability can be daunting, but Setareh Law is here to help. We understand the unique challenges posed by Uber and Lyft accidents and are committed to ensuring your rights are protected. Our experienced team of rideshare lawyers thoroughly investigates every aspect of your case, from the driver’s status at the time of the accident to the involved insurance policies, ensuring you receive the compensation you deserve.
Setareh Law prides itself on unparalleled client service and tenacious advocacy. We handle each case on a contingency fee basis, so you pay no fee unless we get results. With years of experience and a proven track record of success, we stand ready to support you every step of the way. Contact us today at (310) 659-1826 or through our contact form.
