One moment, everything is fine, and the next, a rideshare accident leaves you with unexpected injuries and mounting expenses. Who pays for the damages? Liability depends on several factors, including whether the rideshare driver was actively working and which insurance policies apply. Understanding how these claims work can help you make informed decisions about seeking compensation for your losses.
Navigating these cases can be complex, especially when dealing with large companies like Uber and Lyft, which have their own legal teams and insurance protocols. With 40 years of trial experience and a history of securing multi-million dollar verdicts, Callahan & Blaine knows how to build strong cases against powerful corporations. Our firm has won record-breaking settlements, and we are well-versed in the nuances of rideshare accident claims. We ensure our clients can pursue the compensation they deserve.
What You Need to Know About Rideshare Accidents in California
Rideshare services like Uber and Lyft have made getting around California more convenient. However, accidents involving these types of vehicles can be confusing when it comes to insurance and liability. Understanding how the law applies to rideshare accidents can help protect your rights if you are involved in one.
Who Is Liable in a Rideshare Accident?
Figuring out who is responsible after a rideshare accident depends on what happened and the driver’s status at the time of the accident. Because rideshare drivers are independent contractors, Uber and Lyft limit their liability. However, different insurance policies may apply based on the situation.
- The rideshare driver is at fault: The company’s insurance may provide coverage, but the amount depends on whether the driver was logged into the app or transporting a passenger.
- Another driver caused the crash: The driver’s insurance should handle the damages, similar to any other car accident.
- The rideshare company’s coverage: Uber and Lyft offer liability coverage, but it is only available under certain conditions, such as when a driver is actively engaged in a ride.
Because these cases can be complex, speaking with an attorney goes a long way in making sure the responsible party pays for the damages you’ve suffered.
How Rideshare Insurance Works
Rideshare companies provide insurance, but coverage varies depending on the driver’s activity at the time of the accident. The amount of coverage available changes based on whether the driver is waiting for a ride, on the way to pick up a passenger, or currently transporting someone.
- The driver is offline or not using the app: The driver’s personal auto insurance applies.
- The driver is waiting for a ride request. Limited liability coverage is available, but it may not be enough to cover all expenses.
- The driver is on the way to pick up a passenger or has a passenger in the car: The rideshare company provides up to $1 million in liability coverage.
Knowing these coverage details can help you when filing a claim. If the available insurance does not fully cover damages, an attorney can help explore other legal options.
Difficulties in Filing a Rideshare Accident Claim
Pursuing compensation after a rideshare accident can be more challenging than a regular car accident. Insurance companies may try to reduce payouts, and multiple policies may complicate the process.
- Delays in processing claims: Insurance providers can take a long time to investigate rideshare accidents, especially when multiple parties are involved or fault is disputed.
- Disputes over which policy applies: Companies may argue about which one is responsible for covering the damages. This back-and-forth can slow down the process, leaving victims waiting for the compensation they need.
- Low settlement offers: Insurance companies may offer less than what is needed to cover medical bills, lost wages, and other expenses, expecting victims to accept a quick payout instead of pursuing full compensation.
- Complex legal requirements: Rideshare accident claims can involve state regulations, company policies, and various insurance laws, making the process much more challenging to navigate without legal assistance.
Because of these challenges, working with an experienced attorney can help ensure you receive fair compensation. Legal professionals understand how to negotiate with insurers and pursue the maximum compensation available under the law.
Get the Legal Support You Need for a Rideshare Accident
Dealing with a rideshare accident can be overwhelming, especially when facing large corporations with extensive legal resources. We have spent 40 years successfully taking on complex cases, securing record-breaking verdicts, and holding powerful entities accountable. Our trial attorneys know how to navigate the complexities of rideshare accident claims, ensuring insurance companies pay what they owe.
If you’ve been injured in an Uber or Lyft accident, we are prepared to fight for the compensation you deserve. Our firm has recovered millions for injured clients, and we are ready to put our experience to work for you. Call us at (714) 241-4444 or complete our contact form.
