By: Crockett Law
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Uber / Lyft Car Accidents: What You Should Know
If you are involved in an accident with an Uber or Lyft driver, you may be able to file an injury claim to get compensated for the damages. The amount of money you’re able to recover will depend on the circumstances of the accident. Here are a few things you should know if you’ve been involved in an accident with an Uber / Lyft driver.
Both Uber & Lyft carry 3rd Party Liability Coverage of up to $1,000,000.
Uber and Lyft both offer third-party liability coverage up to $1 million per accident for passengers who are injured in accidents caused by their drivers. This coverage applies to passengers and drivers of other vehicles that are injured by Uber/Lyft drivers carrying passengers – meaning they’re actively “Uber-ing” or “Lyft-ing.” Uber and Lyft also offer up to $1 million in uninsured/underinsured motorist coverage. This applies if an accident is caused by another driver that doesn’t carry adequate coverage to compensate the injured party for their damages.
*Remember: this coverage only applies to people injured while an Uber / Lyft driver is in driver-mode and carrying a passenger.
If an Uber / Lyft driver is in “driver-mode” but hasn’t yet accepted a fare (as in, they aren’t carrying any passengers), both companies still offer liability coverage – but it’s less than the $1,000,000 mentioned above.
If the Uber or Lyft driver is in “driver mode” but does not have a passenger, Uber/Lyft offers the following coverage for accidents caused by the Uber/Lyft driver:
Up to $50,000 per person in bodily injury liability
Up to $100,000 total per accident in injury liability
Up to $25,000 in property damage liability
If an Uber or Lyft driver isn’t in driver mode at the time they cause an accident (meaning, not logged into the apps and not accepting nor seeking fares), their status as an Uber / Lyft driver is essentially irrelevant. You’re still entitled to a claim for damages, but you’d need an attorney to seek those from the driver’s personal insurance vs. Uber/Lyft’s.