Were you the passenger or driver of a vehicle that was involved in an accident with an Uber or Lyft driver? If so, you may be eligible to recover compensation directly from Uber and Lyft or their insurance companies. Though, it can be difficult to file a claim successfully without the aid of a Southaven personal injury lawyer.
At Gatti, Keltner, Bievenu & Montesi PLC, we have successfully litigated thousands of car accident claims. We understand the intricate nature of the Mississippi court system, allowing us deep insight into what it takes to win the maximum settlement for your rideshare accident claim. To learn more about how we can help you, use the contact form on this page to schedule a free consultation.
Rideshare Accidents Are Serious
There are at least one million rideshare drivers currently operating within the U.S. Unfortunately, these drivers are not required to obtain any form of training that would make them more capable than the average driver. This means rideshare drivers are just as likely to get into accidents as other drivers.
When rideshare accidents happen, the victims of those accidents often incur devastating injuries and property damage. The cost of dealing with these consequences can quickly stack up, leaving you with a huge financial burden. This burden should not be carried by you if you were not responsible for the accident.
By filing a rideshare accident claim, you can levy a case against the at-fault driver or the rideshare companies themselves. This gives you the opportunity to recover compensation for your damages. It is also important to note that, with a Southaven, MS Uber & Lyft driver fighting by your side, the chances of recouping what you have lost to a rideshare accident increase dramatically.
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Uber and Lyft Offer Liability Insurance in Some Cases
When you are in a normal car accident, the process of recovering money to pay for your damages normally involves filing a claim with the at-fault driver’s insurance company. You can still do this with a rideshare accident, but chances are your claim will be denied if the driver was engaged in business activities at the time of the accident. In these cases, you may be able to file a claim with the rideshare company’s insurance.
While Uber, Lyft, and other rideshare companies do offer some liability coverage to their drivers, there are gaps in when the insurance coverage is active. Here are the three primary periods within which Uber and Lyft offer insurance to their drivers:
The Rideshare App Is Active
If the rideshare driver was logged into the app and waiting for ride requests at the time of the accident, the vehicle is granted liability coverage that covers damages caused to other people. Under these circumstances, typical rideshare policies offer $50,000 of bodily injury liability coverage per person, up to a $100,000 total per accident. There is also a $25,000 portion of coverage for property damage caused by the driver.
The Driver Is Picking Up a Passenger
If a rideshare driver is on the way to pick up a passenger after accepting their ride request, the driver is granted a minimum of $1 million of total liability coverage. Therefore, if they hit a pedestrian or another vehicle during this time, the insurance policy will cover at least $1 million worth of the damages they cause.
There Is a Passenger in the Vehicle
If there is a rider in the rideshare vehicle, the driver has $1 million worth of liability coverage for property damage as well as $1 million worth of liability coverage for bodily injuries and comprehensive collision coverage. Through this portion of the coverage, riders are protected from the financial losses they may suffer if their rideshare driver is negligent or makes an error that leads to an accident.
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The Value of Rideshare Claims
If you got injured by a rideshare driver or they caused your property to be damaged, you deserve to have all of your damages paid for. By having an Uber & Lyft rideshare accident attorney in Southaven, MS, evaluate your case, you can learn exactly how much your claim could be worth. The Southaven, MS Uber & Lyft rideshare accident attorney will take several factors into account, then calculate your total losses.
Some factors to be considered when calculating your expected settlement include:
- Total medical bills, past, present, and future
- Any wages you lost due to the accident
- Any property damage caused by the accident
- Any emotional distress you experienced due to the accident
- Any pain and suffering associated with injuries you sustained in the accident
Other factors may also be considered when planning your claim. To get more specific information, have a Uber & Lyft rideshare accident lawyer in Southaven, MS, assess your rideshare accident claim.
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Determining Liability in Rideshare Accidents
Whether you can make a claim with the rideshare company or their insurance depends on who was at fault in the rideshare accident. If the rideshare driver was actually the victim of someone else’s negligence, you would need to seek compensation through the at-fault driver’s personal insurance. This does not mean you cannot recover maximum compensation, but understand that personal insurance policies often offer lower liability coverage than what Uber and Lyft can manage.
A critical step in the process of making a rideshare accident claim is determining liability. To this end, your lawyer will work hard to prove that the rideshare driver caused the accident that made you suffer. This requires adequate supporting evidence, which is much easier to acquire when you have a Southaven, MS Uber & Lyft accident lawyer doing the leg work for you.