Ridesharing services, such as Lyft and Uber, have quickly become a popular form of transportation. Many users view it as a convenient and cost-effective way to get around, especially in places without a mass-transit system. Most people also believe that it is a safe way to arrive at their destination. Some safety concerns focus on the potential risks posed by sharing a vehicle with strangers, but car accidents are perhaps the most significant safety issue in ridesharing vehicles.
If you were recently in a ridesharing accident, you must understand that these crashes significantly differ from other accidents. These crashes can be complex, so it might be in your best interest to hire a Denver rideshare accident lawyer.
What Makes Ridesharing Accidents Different?
Ridesharing services allow operators to use their vehicles when carrying passengers as part of their service, unlike taxicab and car service drivers who use cars that are part of a fleet of vehicles. When they are not providing rides to passengers, Uber or Lyft drivers are likely using the vehicle for everyday tasks, like trips to grocery stores, taking kids to school, or going to the doctor. For this reason, ridesharing drivers often have multiple, overlapping insurance policies for the same car. Their insurance generally only applies when they are not working. Once they begin picking up riders, the rideshare company’s commercial insurance policy will take over as the primary insurance provider.
Insurance Requirements for Colorado Uber and Lyft Drivers
Ridesharing drivers must carry at least $1 million in accident insurance during a prearranged ride. Colorado law defines a prearranged ride as when a driver accepts a ride request until the passenger exits the vehicle. This means coverage may apply even if the driver has not yet picked up the passenger.
The insurance coverage provided by ridesharing services covers the costs of a single accident. It may provide coverage to vehicle passengers and other vehicles that the driver hits.
To obtain these high insurance coverages, Uber and Lyft work with aggressive, well-resourced carriers. These insurers tend to fight back hard against passenger injury claims, and they are focused on protecting their financial interests. Insurance representatives may also try to argue that the driver’s insurance should cover your injuries, only slowing down your claim.
What Should You Do If You’re in a Car Accident with an Uber or Lyft Vehicle?
If you sustain injuries in an Uber or Lyft caused by a negligent rideshare driver, Uber or Lyft’s insurance policies should cover your losses, such as medical bills, lost wages, and other accident-related expenses. However, you will need the assistance of a car accident attorney to obtain total compensation. Remember, there might be instances where your driver was not responsible for the accident. When this happens, you can file a claim with the other driver’s insurance provider.
Whatever the situation is, it is essential to immediately document the crash and report it to Uber or Lyft. It is also crucial to collect the names, phone numbers, license plate numbers, and insurance information for all of the drivers involved in the crash and seek medical attention for your injuries.
What If a Ridesharing Vehicle Hits My Car?
Even if you have never taken an Uber or Lyft, you might still find yourself in a situation where you must deal with a ridesharing service’s insurance providers. Several factors about your collision may affect your compensation. If the driver was transporting a passenger or waiting for a request from a potential customer, you might be able to collect compensation under Uber or Lyft’s insurance policy.
Contact an Experienced Ridesharing Attorney in Colorado Today
There is no denying that auto accidents involving Uber and Lyft drivers are more complex than a typical crash. That is why it is vital to work with an attorney who has the skills and resources to investigate and pursue compensation in such a complicated situation. At Mintz Law Firm, our auto accident attorneys understand the nuances of ridesharing accidents and will seek justice on your behalf. To schedule a free consultation, call (303) 462-2999 or complete our contact form today.