Insurance coverage can be quite confusing when it comes to driving for rideshare companies, such as Uber and Lyft. Rideshare drivers are considered independent contractors and are required to possess their own auto insurance, which is a prerequisite to being accepted for employment.
These types of companies are essentially doing everything in their power to avoid liability, which makes things tricky when an accident takes place.
Standard Car Accidents vs. Ridesharing Accidents
Regular car accidents that happen on the road fall on the responsibility of the driver who was at-fault. The at-fault driver will have insurance that, at a minimum, covers the driver who was not responsible for the accident.
The process is fairly straightforward when it comes to regular car accidents. If you happen to be driving for a rideshare company, there are a lot of factors that come into play. It is absolutely necessary for Uber and Lyft to protect themselves in case one of their drivers gets into an accident and causes injury to someone.
Because of this, a million dollar insurance policy is applicable to every rideshare driver on the road. However, this million dollars does not cover the driver. Both Uber and Lyft will pay for the damages to other vehicles and people that are involved in an accident. If you are a customer and you're injured, you will be covered by the insurance policy present. If you are the driver, you will not be covered and you will have to take care of the matter with your own insurance policy.
While this may not seem fair to most people, this is one of the major realities that comes with driving for a rideshare company. If you do find yourself in an accident, it is important to seek proper legal representation. The strategy that these types of companies utilize when it comes to providing insurance coverage is sketchy at best.
Their main goal is to rid themselves of responsibility, so you may find yourself in a tough situation if you wind up having an accident. Rideshare drivers are at a much greater risk of experiencing a car accident, based on the sole fact that they are on the road all the time. Because of this, it is important to know what to do in case you find yourself in a car accident while driving for Lyft or Uber.
Hiring a personal injury attorney is highly advisable if you experience a car accident while driving for one of these companies. A personal injury attorney who specializes in similar car accident cases will be able to represent you favorably in court.
It's unfair to expect a driver to risk their life on the road expect them to take care of the situation themselves. Unfortunately, many drivers find themselves in this type of scenario. Hiring the proper legal representation will give you a much better chance of receiving compensation for your accident in court.
Contact Stern Law Group at (877) 661-9900 to protect your rights and seek compensation.