Understanding Uber and Lyft Accidents
Uber and Lyft accidents have increased dramatically with the growth of rideshare services in Los Angeles. Thousands of Uber and Lyft drivers operate on our streets daily, and with them, the risk of accidents.
What makes rideshare accidents unique is the complexity of the insurance policies involved. Unlike a typical car accident where there's a clear policy, Uber and Lyft cases can involve multiple policies depending on the driver's status at the time of the accident.
Uber and Lyft Insurance Layers
Both Uber and Lyft have layered insurance systems that change depending on what the driver was doing at the time of the accident:
App Offline
When the driver isn't using the app, only their personal insurance applies. Uber and Lyft provide no coverage.
Waiting for Rides (App Online)
Limited coverage: $50,000 per person for injuries, $100,000 per accident, $25,000 property damage. Contingent on personal insurance.
During a Ride (Passenger on Board)
Maximum coverage of $1 million in liability, plus uninsured/underinsured motorist coverage.
Compensation in Uber/Lyft Accidents
With policies of up to $1 million dollars available, victims of Uber and Lyft accidents can receive significant compensation for:
- Complete Medical Expenses
Emergency treatment, surgeries, hospitalization, rehabilitation, medications
- Lost Wages
Compensation for lost work time and future disability
- Pain and Suffering
Compensation for physical and emotional trauma
- Property Damage
Repair or replacement of your vehicle and belongings
Steps After an Uber or Lyft Accident
- Seek medical attention – Your health is the number one priority.
- Report in the app – Both Uber and Lyft have functions to report accidents.
- Document everything – Take photos, get driver information, witness names.
- Save screenshots – The trip receipt and driver information.
- Don't give statements – Insurers will use your words against you.
- Contact a lawyer – An Uber/Lyft accident lawyer can navigate the complexities.
Why You Need a Specialized Uber/Lyft Lawyer
Rideshare accidents are different from typical car accidents. Uber and Lyft insurance companies are experts at denying or minimizing claims. Our lawyers:
- Know Uber and Lyft insurance policies in detail
- Know how to determine which coverage applies to your case
- Can identify all available sources of compensation
- Have experience negotiating with rideshare insurers
- Are prepared to take your case to trial if necessary