Rideshare programs have become immensely popular ways to get around. Between the high costs associated with driving, such as gas, insurance, maintenance, and car payments, the lower cost and ultra-convenience of being able to summon an inexpensive ride from a company like Uber of Lyft has made getting where you need to go highly-affordable. However, with more of these rideshare vehicles on our already-crowded roads, the odds of being involved in an accident while in a rideshare have gone up considerably. Here’s what you need to know about how liability is determined if you’re involved in an accident while using a rideshare program.
Liability in a rideshare accident is assigned similar to a regular car accident. Drivers are assigned a percentage of fault, and from there liability for damages is determined. Whoever is the most at-fault is responsible for paying these damages, usually through their insurance company. However, as a rideshare customer, you’re not really involved as a driver so you can’t really be held responsible but you can still sustain serious injuries and be eligible to recover damages.
Rideshare Claims Process
If you’ve been injured in a rideshare program, here is what you should do and who you can hold liable for your losses. For starters, you should immediately file a claim with all insurance companies involved in an accident: your driver’s insurance and any other drivers also involved. Even though your driver was participating in a for-hire program, their own auto insurance is the primary insurer in an accident. You should also file a claim with the rideshare provider, who act as a secondary insurance company and provide additional liability coverage for their drivers should accidents happen.
Once fault is determined, odds are your losses will be paid by all parties involved, based on the percentage of fault they are assigned. If your driver was entirely at fault, then odds are their own liability insurance may cover part of the accident, and the rideshare provider will cover whatever remainder you might have, up to the policy limits. Both Uber and Lyft, the two largest rideshare provider programs, offer their drivers up to $1 million in supplemental coverage so long as they had accepted a fare when the accident occurred.Because these cases can be complex, it’s strongly advised you retain a Worcester car accident attorney to protect your rights and keep your best interests at the forefront of your case. Call the Law Office of Robert. W. Kovacs, Jr. at (508) 926-8833 to request a case evaluation.