Both Uber and Lyft rides are an inexpensive way to travel that beats public transportation every time. Uber and Lyft have become a very popular method of travel for many people. However getting into an accident while riding in an Uber or Lyft vehicle can be an unexpected situation. When you are injured during an Uber or Lyft ride, who is at fault and what are your rights? You might be surprised to know there are Uber and Lyft attorneys that can help you when you find yourself in an accident and are injured. Lastimado Texas will help bring some understanding as to who is liable for your injuries in this unique car accident situation.
What is Covered Under Third Party Liability Insurance?
When getting in an accident during an Uber or Lyft ride and your road share driver caused a crash, it is the road share company who is liable. While a driver is online or active, they have a third party liability coverage that takes over. This means the corporate liability policy will be the one responsible for the passengers and will cover medical costs, lost wages, pain and suffering management and other non-injury damages. Along with a third party liability policy, both Uber and Lyft will have their own insurance policy. Depending on whether you where riding in an Uber or Lyft, their insurance policy will vary. Following is how the two road share services vary in their insurance policies.
Does Uber have Their Own Insurance?
Under the Uber’s Insurance Policy it states: if a driver is active or online and is not yet matched with a passenger, the driver and its vehicle is covered under the company’s policy. Uber insurance policy will cover a “waiting” driver up to:
• $50,000 Per Person
• $100,000 if bodily injury occurs and per accident.
• $25,000 that covers property damages per accident.
The company’s insurance policy changes if the Uber driver is matched and has a passenger present in their vehicle. If there is a passenger(s) present during the time of the accident the coverage cost is up to one million. However that is the total worth of the coverage which includes any damage to the vehicle as well as injuries which covers both Uber driver and passengers. A million dollars may sound like a lot of money, but you may need to fight for your share of the claim.
Does Lyft Cover Car Insurance?
A Lyft insurance policy can get a bit more complicated. While a driver on a Lyft service is online or active, and they do not have any passengers, they must use their own private insurance company if they are in an accident. If the driver’s personal insurance company will not cover the full cost of the related damages, then the Lyft liability coverage will pick up the remainder cost. Once the Lyft driver has a passenger or passengers, they will provide up to one million dollars if the driver is at fault or causes the crash. When the driver and passengers have all been injured and have a number of physical damages, a million doesn’t go very far especially when you may have a longer term injury and medical cost.
Personal Injury Attorneys in Dallas, TX (Just Minutes from Carrollton, Richardson, Farmers Branch, Garland, Irving, Mesquite, Grand Prairie, Duncanville, Hutchins & DeSoto, Texas
It can be confusing who is responsible for the accident, especially when you are the passenger. If you were riding in a Lyft or Uber vehicle and was in a car wreck and injured, contact Lastimado Texas today.
