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Injured in an Uber or Lyft Accident? Here’s What You Need to Know

 

Uber and Lyft have really made getting around town a lot easier. The apps are simple to use, the cars are relatively inexpensive, and getting a ride only takes a few minutes.

Injured in an Uber or Lyft Accident? Here's What You Need to Know 1 Uber Accidents South Florida Injury Law Firm

However, as wonderful as Uber and Lyft are for convenience when you need a quick lift, it is important to remember that the drivers are like anyone else who you trust to get behind the wheel. Accidents happen.

 

Since ridesharing apps are a fairly new trend, questions about liability and insurance can be confusing. Read below to get a better understanding on what your options are after getting into an auto accident involving a rideshare company in Florida.

 

What Is HB221?

 

Ridesharing companies like Uber and Lyft are praised for their innovation, but it often causes confusion and debate over legal issues. They have a different business model than most taxi companies (all Uber and Lyft drivers are considered independent contractors) and are held to different standards than taxis.

 

Florida is starting to clear up some of the confusion about the standards rideshare drivers are held to, though. In the beginning of April, Florida’s House of Representative passed HB221. In addition to requirements regarding background checks, the bill requires all rideshare drivers to hold insurance to cover $50,000 for death or bodily injury per person, $100,000 per incident, and $25,000 for property damage.

 

While these amounts are far more than most drivers in Florida are required to carry, requiring bodily injury insurance brings in the question of fault. If you are in an accident, it is important to take note of any unsafe behaviors displayed by the Uber/Lyft driver, or any other drivers involved.

 

The bill is on its way to the Senate, but it still has a decent journey ahead before it can become law. Why is the legislature even going to the trouble? Because Uber and Lyft won’t cover everything.

 

Uber’s and Lyft’s $1 Million Insurance Policies

 

Florida is putting these requirements on rideshare drivers to cover incidents that Uber or Lyft will not.

 

Both companies boast $1 million insurance coverage, which is great for drivers, passengers, and pedestrians who are injured while a ride is taking place. The coverage does not, however, cover drivers who don’t have customers in their car – even if they are on their way to pick a customer up. Again, Uber and Lyft drivers are considered independent contractors, so they do not have to cover their drivers if they do not have an Uber customer in their car.

 

If you are an Uber driver, talk to your insurance company about coverage while you are driving. While many insurance companies offer a rideshare-specific policy, others will not cover accidents while you are driving (you may be considered “on the job”). Even if you have a rideshare insurance policy, check in with the provider about what may change if HB221 is signed into law.

 

Boca Raton Uber Auto Accident Attorney

Even if your car is not involved in the accident, treat this crash like any other auto accident. Collect the names, insurance providers, and contact information of everyone involved. Record witness testimony and take photos of the accident. Seek medical help within 14 days of your accident in order to receive compensation from your PIP coverage – you may receive compensation quicker if you go through your personal insurance company.

 

As the laws regarding Uber and Lyft are on the verge of changing, navigating your insurance after an accident may be more confusing. Talk to a South Florida lawyer about your options for receiving compensation for your Uber accident lawsuit after being injured in a ridesharing accident.

 

 

What Happens If I Get Into An Accident Involving An Uber?

What Happens If I Get Into An Accident Involving An Uber?

What Happens If I Get Into An Accident Involving An Uber?

Uber has quickly become one of the hottest ways to get around town for work, events, or nights out on the town, and more than just customers are happy.

 

The ridesharing company has become a big relief to law enforcement and organizations that want to reduce the rate of drunk driving, because it’s another way for people to go out and have a few drinks and still get home safely.

 

But Uber comes with its own risks. After all, in most cases, your driver is a complete stranger, and they’re not licensed and controlled in the same way that cab drivers are. So what happens if you get into an accident and an Uber is involved?

 

As a Passenger. If an Uber driver is being negligent and causes an accident while you are a passenger, Uber wants to pay for your injuries. After an Uber driver has accepted your ride or has picked you up and is taking you to your destination, insurance companies say that the Uber driver is in Period 2 and 3, which is covered by Uber’s $1 million insurance coverage.

 

This plan has allowed passengers to feel at ease when taking rides from Uber drivers. Uber also offers an additional $1 million in uninsured/underinsured motorist (UIM) coverage that will cover your damages and injuries in the event that the other driver is not insured.

 

So if you’re getting a ride in an Uber, treat the accident like any other car crash and be sure to get the information that you will need in case you have to file a claim or go to court.

 

Florida Uber Auto Accidents

 

As a Driver. If you are in an accident while working as an Uber driver, you probably already know that you’re not an Uber employee. Rather, you work through Uber as an independent contractor. So while Uber may cover most situations, you may be on your own for others.

 

Here’s how that breaks down:

 

  • If you get into an accident while you are driving a passenger, Uber will cover your damages with its $1 million insurance coverage and the $1 million UIM insurance coverage.
  • If you get in an accident while the app is on but you have not physically picked up a passenger yet, that’s where things get a little murky. Uber might cover your personal damages, but may not cover the damages done to your car. This time is called Period 1, and Uber claims to only provide insurance if you cannot maintain the insurance amounts that Uber offers ($50K for personal injury and $25K for property damages). However, there are insurance providers in Florida that offer rideshare-friendly policies that will cover you while you have your Uber app on and no passenger. This is a relief for many rideshare drivers who fear being dropped by insurance companies after mentioning their contract with rideshare apps.
  • If your app is off, Uber will not cover any losses, whether they involve personal injury or damage to your car.

 

Fort Lauderdale Pedetrian Accident Attorney

As a Pedestrian or Passenger of another Vehicle. What if an Uber driver hits you while you are driving in your own car or walking as a pedestrian? Many say that this very situation is what gave birth to Uber’s $1 million insurance coverage policy.

 

In 2014, a 6-year-old girl was killed when she was struck by an Uber waiting to pick up a ride on New Year’s Eve. The suit made national headlines. The rideshare giant tried to distance themselves from the case by arguing that since the Uber had not accepted or picked up a passenger, they were not liable for the injuries of the daughter.

 

But it wasn’t a good look for Uber, and the company announced the rules regarding their insurance policy soon after.

 

So what does this mean for you today? If you in an accident with an Uber driver that has accepted a fare or is driving a passenger, your damages will be covered by Uber’s $1 million insurance policy. Otherwise, you will have to file a claim under the Uber driver’s personal insurance.

 

What about Other Ridesharing Apps?

 

Depending on your location or preferences, you may use a different rideshare app, like Lyft. Each app has different insurance policies and handles accidents and compensation differently. Before you get into a car through a ridesharing app, find out what types of insurance coverage they have for drivers, passengers, and third parties.

 

Uber and other ridesharing apps are still fairly new, so in many ways they are still trying to figure out their insurance policies, frequently making tweaks to see what works best for them. Because of this, if you are in an accident with a rideshare, you want someone on your side who has a clear understanding of Florida personal injury law. Before you do anything, set up a free consultation with a knowledgeable auto accident attorney today.