Accidents involving rideshares can quickly get complicated. Whether you were injured as a rideshare passenger or driver or hit by someone driving for a rideshare company, your path to compensation may not be as straightforward as other motor vehicle collisions.
Our attorneys know what it takes to recover compensation in these unique situations. Contact us at 303-237-7373 to schedule a free case evaluation and learn about your potential next steps. The Frickey Law Firm proudly serves Lakewood, Denver, Boulder, and nearby areas of Colorado.
What Exactly Is a Rideshare?
Rideshare services connect drivers with passengers who need transportation. Generally, the drivers are independent contractors who use their personal vehicles to take people around. That is the case with companies like Uber and Lyft, which have millions of drivers across America.
Uber and Lyft are good examples of standard rideshare apps. However, there are other options that people can use to get from point A to point B. Examples include taxis and cars for hire.
Do Uber and Lyft Drivers Have Special Insurance?
Uber and Lyft drivers using their own cars are required to have a personal auto insurance policy. That policy must meet minimum state coverage requirements. However, if an accident occurs while they are actively using the app, then their personal policy is unlikely to provide coverage. That is because it probably does not extend to incidents that occur when driving for money.
Lyft and Uber provide additional insurance coverage for their drivers. Typically, it kicks in when drivers are waiting for a ride request, picking up passengers, or giving rides. Some Uber and Lyft drivers purchase a commercial policy or a ridesharing endorsement for more protection.
What Happens if an Accident Occurs During My Rideshare?
In the event of a crash, there are protections in place for rideshare drivers and passengers. These protections vary depending on the details of the accident, including who caused it.
If the rideshare driver is at fault for the accident, coverage will typically be provided by Uber or Lyft. That means you will need to submit a claim to the rideshare company for damages. In some cases, coverage is provided through the driver’s rideshare insurance policy or rideshare endorsement.
Meanwhile, if the non-rideshare driver is at fault, you will file a claim with their insurance. Sometimes, the non-rideshare driver does not have car insurance or lacks sufficient coverage. In those situations, the rideshare driver and their passengers can usually seek compensation through the rideshare company’s uninsured/underinsured motorist coverage.
Keep in mind that insurance companies do not always come to the table with a fair offer. It may be necessary to respond with a counteroffer or proceed with a personal injury lawsuit.
How Much Can a Rideshare Claim in Colorado Be Worth?
The value of a rideshare claim in Colorado depends on several factors. For example, if you were seriously injured in an accident caused by your rideshare driver, Lyft and Uber may provide up to $1,000,000 in auto liability coverage. However, the insurance policies may be modified to meet Colorado insurance requirements, and the amount that you can collect will vary. Keep in mind that you may be able to file a lawsuit to recover maximum compensation for your damages.
Determining the value of a rideshare claim is a complex process. Rely on our Lakewood rideshare attorneys to evaluate your situation and let you know what outcome you might expect.
What Should I Do After a Rideshare Accident?
What you do after a rideshare accident can affect your health and your potential injury claim. Make sure to complete all of the appropriate steps needed to protect yourself, including:
- Getting medical treatment: Your wellbeing is the priority. After a rideshare accident, it is crucial to seek medical attention as soon as possible. This step may be obvious if you suffered a serious injury such as a broken bone. Even if you feel fine, your doctor may find injuries that were not immediately apparent to you due to adrenaline or other factors.
- Reporting the accident: The drivers involved in the crash are responsible for alerting law enforcement. If you were a passenger in the accident, you will want to report the accident to the ridesharing company. Uber and Lyft have accident reporting processes in place, and a representative may contact you for details. It may make sense to tell them that you want to speak to a rideshare attorney before you make a statement.
- Gathering information and evidence: Get the names and contact information of everyone involved in the crash and anyone who witnessed what happened. Take pictures of the accident scene, the vehicles involved, and your injuries, if possible.
- Contacting our rideshare attorneys: Responding to a rideshare accident can be a complex process. Our experienced attorneys are here to guide you through it. It is in your best interest to speak with us before accepting an insurance settlement offer. Often, that offer will be far lower than what you are actually entitled to receive.
Accidents can also occur between pedestrians and rideshare drivers. If you were hit by a rideshare driver while walking or riding your bicycle, you will likely want to follow the same steps listed above.
Can I Sue My Rideshare Driver or the Company?
Going after the rideshare driver or company may not be necessary when sufficient insurance coverage is available to you. However, a lawsuit may be a smart move if you have not received a fair injury settlement offer. Settlement offers can be lower than what your claim is really worth.
Taking legal action may lead to settlement negotiations and help you receive a reasonable offer. Often, personal injury lawsuits involving rideshare accidents are settled long before they ever make it to trial. Our attorneys will help you determine the most logical path for your claim.
What Kind of Settlement Should I Expect?
Your settlement will vary depending on the details of your rideshare accident. A fair settlement should cover your economic and non-economic losses related to the crash, including:
- Current and future medical expenses
- Vehicle property damage (if applicable)
- Lost earnings
- Future lost income
- Pain and suffering
There are many factors that go into determining a settlement amount for these cases. Talk to our rideshare attorneys about the specifics of your case before accepting a settlement or making any settlement demands. This is the best way to make sure you get what you deserve.
Talk to Our Lakewood Rideshare Attorneys for Free
Our lawyers are familiar with the unique nature of rideshare cases and the challenges that come with them. We will put our 120+ years of combined legal experience to work for you. Please call 303-237-7373 for a complimentary evaluation of your case. The Frickey Law Firm proudly serves Lakewood, Denver, Boulder, and nearby areas of Colorado.