Uber and Lyft offer a seemingly genius solution to the world’s problem of drunk driving. Since the emergence of app-based rideshare companies, people have turned away from the old way of taxis and designated drivers to enjoy their weekends – without the commitment of driving. By connecting drivers with individuals in need of a ride, Uber and Lyft’s general availability studies have shown that the effects on public safety have been overall positive. Since Uber and Lyft’s availability, one study found that drunk driving rates have decreased by around 6% percent in California. However, people may still overlook the dangers of driving, especially when the responsibility of driving is out of our own hands.
Rideshare Accident Insurance Coverage
Since rideshare drivers are independent contractors, it’s common for big companies like Uber and Lyft to try and avoid liability for accidents caused by their drivers. However, there are legal remedies for involvement in accidents with Uber or Lyft or as a passenger inside Uber or Lyft. In California, personal injury laws make it possible to file a lawsuit after a rideshare accident. However, the liability will depend on whether:
- The rideshare driver was connected to the application and connected with a passenger
- The rideshare driver was picking up or driving the passenger to their requested location
- The rideshare driver was not connected to the application and was not carrying a passenger
Determining Factors for Coverage
These scenarios are essential for determining the injuries and damages of the incident and what liability coverage may be applicable.
- If an Uber or Lyft driver isn’t logged into their designated rideshare app at the time of an accident. Then that driver’s car insurance would be the primary source of coverage if an accident occurs.
- However, if a rideshare driver is connected to the rideshare application but has not been connected with a passenger, the contingent coverage may be applicable, with liability limits of $50,000 to $100,000.
- In the other case that the rideshare driver is transporting a passenger(s), the rideshare company must carry mandatory liability insurance of $1 million, which would be the primary source of coverage.
Key Takeaways:
- If the rideshare driver is connected to the application, the company will provide the primary coverage for damages.
- If the rideshare driver is in an accident and not connected to the application, Uber and Lyft will look to avoid liability.
If you are injured in an Uber or Lyft car accident and are unsure of what you should do. Please don’t hesitate to contact our expert Eason and Tambronini personal injury lawyers. Your attorney may be able to subpoena electronic records from the rideshare company to determine if the driver was connected to the rideshare app when the accident occurred. If you are injured while riding with an Uber or Lyft driver. Our expert Uber and Lyft accident attorneys in Sacramento will work endlessly to obtain the compensation you deserve. To take advantage of your FREE no-obligation consultation and speak with an attorney, call us today at 916-438-1819.
