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Rideshare apps are extremely convenient, but rideshare accidents can become confusing quickly. Depending on the driver’s activities, multiple insurance policies may apply. Sometimes the company’s policy covers the ride, while other times the driver’s personal insurance does. At Bence Law Firm, LLC, our car crash attorney helps people sort through these complicated cases of Uber/Lyft/rideshare accidents in Columbus. Seeking help early ensures you receive the compensation you deserve.
How Does Rideshare Insurance Work?
Drivers must maintain a minimum coverage of $50,000 per person and $100,000 per accident for bodily injury, along with $25,000 for property damage for their personal vehicles. The law requires rideshare companies to provide additional liability coverage. In Columbus, if you are in a crash with a carshare company such as Uber or Lyft, comparative fault rules also apply, which can reduce payouts if more than one person is at fault.
Rideshare insurance coverage depends on the driver’s activity at the time of the crash. When the driver’s app is off, their personal insurance applies. When the app is on, but no ride is accepted, the driver’s personal insurance applies, plus limited supplemental coverage from the rideshare company.
If the driver accepts a ride and is on the way to pick up passengers or currently has a passenger, the rideshare company’s coverage is in effect. This policy provides up to $1 million in liability coverage.
The insurance claims that apply depend on the period in which the crash occurred. At Bence Law Firm, LLC, our attorney could help you understand your coverage options and file a claim promptly. Remember, you have two years to file a lawsuit.
Common Causes of Rideshare Accidents
Rideshare drivers often make mistakes on the road, just like any other driver. Common causes of accidents include:
- Distracted driving from attention to phones or GPS
- Unfamiliarity with local roads or traffic patterns
- Fatigue from long hours of driving
- Pressure from rushing to pick up or drop off passengers
- Inadequate maintenance of high-mileage cars
The increased volume of ride-sharing from Uber and Lyft in Columbus results in more crashes.
Different Types of Rideshare Accident Victims
Rideshare crashes affect individuals in different ways:
Passengers in the Car
The rideshare company covers passengers with a $1 million policy that includes medical expenses, lost income, and pain and suffering.
Other Drivers Hit by Rideshare Vehicles
Other drivers can file claims against the rideshare company if the rideshare driver was at fault and had an active ride. Proving the rideshare driver’s negligence is necessary to receive compensation in this situation.
Rideshare Drivers
Drivers may rely on personal insurance or the company’s coverage, depending on when the accident occurred. If another driver is at fault, the rideshare driver can seek compensation from the at-fault driver’s insurance.
If you are unsure about coverage or liability in a rideshare collision in Columbus involving an Uber or Lyft driver, consult with our attorney, David Bence, promptly. He could work to protect your rights and fight for the compensation you deserve.
Challenges With Rideshare Insurance Claims
Rideshare claims can become complicated due to:
- Disputes arising over responsibility when the company claims the driver was not working
- Personal insurance potentially not covering rideshare driving
- Disputes between the rideshare driver and another driver over fault
- Changes in coverage based on the period in which the crash occurred
- Delayed medical approval, leading to bills accumulating while insurers argue
These insurance battles can be confusing and stressful. Our knowledgeable Columbus rideshare collision lawyer, David Bence, comes from a long line of attorneys and could effectively handle your Uber or Lyft claim for you.
Contact Our Columbus Rideshare Attorney Today To Assist With Your Uber or Lyft Crash Claim
Rideshare accidents can be confusing due to various insurance policies, coverage periods, and corporate legal teams involved.
At Bence Law Firm, LLC, we know how rideshare insurance works and the crucial evidence needed in such cases. We handle Uber/Lyft/rideshare accidents in Columbus and could guide you through the legal process to secure the compensation you deserve. Contact us online, or call to discuss your case and your options.