Compensation for an Uber or Lyft accident means that you must navigate a myriad of possible scenarios with insurance coverage. You may not even know close to the time of the crash which coverage applies and the size of the policy. The one thing that is certain is that Uber and Lyft have made it so they cannot be sued if their policies are not large enough to cover your injuries. This does not mean that you will not receive compensation for your injuries, but the process can be complicated. You want the help of an El Monte Uber and Lyft accident attorney.
Insurance Coverage in a Rideshare Accident Is Not Intuitive
When a rideshare driver has the app on and a passenger in the car, there must be a $1 million policy in place. This is more than coverage caps for most individual drivers, so the policy could pay for fairly significant injuries. However, there is a maze to work through to figure out who you would file a claim against and what you may receive.
As an injured passenger, your claim would be against the driver who was responsible for the accident. If another car collided with your rideshare, you would need to piece together which one of the two drivers is responsible, if not both. Chances are that the Uber or Lyft driver would have a larger policy in place. However, it would require some investigation on the part of your attorney.
There is also a possibility that you may need to file a claim against the driver’s personal insurance. If they did not have the app on, the rideshare’s insurance policy does not apply.
An Attorney Could Help You Navigate the Rideshare Claim Process
With all of the moving pieces, you need legal advice to help you navigate the situation. Even when you figure out the coverage that applies, you must still deal with Uber or Lyft’s insurance company. To say that insuring these rideshare companies is big business is an understatement. There are up to two million Uber and Lyft drivers in the U.S., which means that there are scores of claims every single day.
These companies want to keep as much money as the rideshare giants pay them as possible. They do this by settling claims for less than they are worth. The premiums minus the claims paid represent profits, so you can see how this may work out for the average claimant. This is why you cannot go into a negotiation with one of these insurance companies on your own. Instead, you need someone who can stand up and push back. Just because you cannot sue Uber or Lyft does not mean that you cannot sue the insurance company for fair payment. In some cases, it is what you must do.
Hire an El Monte Uber or Lyft Accident Attorney
Call the El Monte personal injury attorneys at The JLF Firm at (323) 765-1343 or contact us online to schedule your free initial consultation. Speaking to us comes at no risk to you as you owe us nothing unless we are able to help you recover.
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