Personal Injury Claim After An Uber or Lyft Accident

July 29, 2019

Rideshare companies like Uber and Lyft have become increasingly popular with San Diego residents. Many people find Uber to be a convenient, cost-effective solution for their transportation needs. In addition, many San Diego residents find driving for Uber and Lyft as an easy way to make extra money using their personal vehicle.

But as the popularity of rideshare services like Uber and Lyft grows, the likelihood of car accidents involving rideshare drivers also increases. 

When an Uber or Lyft driver causes a car accident in San Diego, injured passengers can seek compensation directly from the rideshare company’s insurance carrier. For example, Uber carries a $1 million insurance policy to pay for any death, personal injury or property damage caused by one of its drivers. A claim could be filed against the Uber driver’s personal insurance, for instance, but Uber’s insurance policy will act as the primary insurance policy.

Uber’s insurance coverage applies to any car accidents occurring from the moment the Uber driver accepts a ride request until the ride has been completed. If an accident occurs outside of this time frame, then the Uber driver may be held personally liable for any injuries or property damage suffered by a passenger.

Lyft drivers, on the other hand, are covered by a four-part insurance policy. Lyft’s insurance coverage includes liability coverage that pays for damages when a driver is waiting for a ride request, as well as primary liability insurance, uninsured/underinsured motorist coverage and collision and comprehensive coverage.

If another driver is at fault for a car accident involving an Uber or Lyft vehicle, injured passengers may seek compensation from the at-fault driver either through their liability insurance coverage or personal assets. If the at-fault driver does not have liability insurance, rideshare companies like Uber carry additional insurance coverage of $1 million in in the form of uninsured and underinsured motorist insurance to pay for a passenger’s injuries. These forms of insurance coverage allow Uber and Lyft passengers who are injured in car accidents to seek compensation directly from rideshare company’s insurance carrier. 

If you have been injured in a car accident while riding with an Uber or Lyft driver in San Diego, you should seek the counsel of an experienced auto accident attorney. Call Laureti & Associates, A.P.C. today to schedule a free consultation.

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