You’re just cruising along, minding your own business, until boom - a rideshare accident completely turns your day upside down. Whether you were in the backseat of a rideshare vehicle or a rideshare vehicle unexpectedly hits you, a rideshare accident can leave you not only with mounting expenses and significant injuries but also confused about what to do next. Who’s liable for the damages? There are several factors involved when it comes to liability with rideshare accidents, such as whether the rideshare driver was actively working when it occurred and the specific insurance policies that kick in. Having a basic understanding of how such claims play out will assist in making the best decisions regarding how to seek compensation for your losses.

What You Should Know About Rideshare Accidents in California

Rideshare services such as Lyft and Uber have revolutionized the way we get around California. However, when it comes to insurance and liability, rideshare services have made things a muddle. If you are involved in a rideshare accident, it’s helpful to understand how the law works. First of all, liability in a rideshare accident depends on exactly what occurred and the driver’s status when it happened. Since rideshare drivers are independent contractors, Uber and Lyft may have limited liability. Depending on the situation, there are different insurance policies that may apply:

1. The one at fault is the rideshare driver: The rideshare company’s insurance may offer coverage if the driver was logged into the app or transporting a passenger.
2. Another driver was responsible for the crash: If this occurs, the insurance of the driver who caused the crash should deal with the damages and it should play out like any other auto accident.

Uber and Lyft provide liability coverage, but only under specific conditions, like when a driver is engaged in a ride. Such cases can get complicated real quick, which is why consulting with an attorney goes a long way in ensuring that the responsible party will pay the compensation owed for your suffering.

The Way Rideshare Insurance Works

Rideshare companies do offer insurance, but coverage depends on the driver’s activity when the accident occurs. How much is covered depends on whether the driver is on the way to pick up a passenger, waiting for a ride, or actively transporting a customer. If the driver is not using the app, then their personal auto insurance applies like any other car crash. Limited liability coverage is available if the driver is waiting for a ride request, but may not cover all expenses. The rideshare company offers up to $1 million in liability coverage if the driver is on the way to pick up a passenger or has a passenger in the car. 

Contact Us Today

It can be more challenging to pursue compensation after a rideshare accident compared to other types of car accidents. There may be multiple policies involved, and insurance companies may try to reduce payouts. An experienced rideshare accident attorney can help you explore all your options and get you the compensation you need to cover the damages. Call the Law Office of Ball & Yorke to consult with an experienced California rideshare accident lawyer today.