At The Rezvani Law Firm, we battle for ride sharing drivers, passengers, and third-party pedestrians involved in accidents. There are many complex policies when dealing with these companies, but we know how to be successful in fighting and winning these claims.

If you or a loved one has been injured in an Uber or Lyft accident, you need to call the Accident Duo. We’re experienced at fighting and winning against these multi-billion-dollar companies. As accident lawyers, we work on a contingency basis, so you don’t have to pay anything unless we win your case.

We offer a free, no-obligation consultation and then work on a contingency fee basis, which means you don't have to pay anything unless we win. Call us right now at (310) 694-9500.

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Understanding Ride-Sharing Accident Policies

Both ride-sharing companies are public traded with revenues that exceed the multi-billion-dollar level. Being such a large business, they have substantial insurance policies to cover them and their drivers in the event of an accident. Did you know that Uber’s drivers have an excess of more than one million dollars in coverage?

Another little-known fact is that there’s another $100 million available for excessive coverage if their driver is found at fault for the accident. Most people are shocked to learn that the average driver in the state of California only carries around $15,000 in injury liability. So, when choosing to drive for a ride share, these freelancers are more than covered in an accident.

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Uber Insurance and Lyft Insurance Coverage Explained

In general, there are three liability limits which a Lyft or Uber driver may have when he or she:

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1. Was not logged into the app but was driving on his or her own time.

2. Was logged in to the Lyft or Uber App and was waiting for a passenger to match with.

3. Already matched with a passenger or picked someone up.

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Uber and Lyft only provide full coverage during periods two (2) and three (3). The Uber driver is responsible for purchasing his or her own insurance policy for times when they are driving the car in a normal manner.

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No Period:  The driver is currently offline from the app and is not using it for ride sharing purposes. Any claims arising out of an accident during this time will be the driver's responsibility.

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Period 1: The driver is logged into the app and waiting for a passenger to match with. Uber and Lyft have 50/100/25 liability coverage in the event of an accident during this time. This means that the liability limitations for bodily harm are $50,000 per person and $100,000 total per accident, with $25,000 for property damage. Furthermore, insurance coverage for the driver (uninsured, underinsured, medical expenses) and the driver's vehicle (collision) is not available during this time.

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Period 2: This is when the Uber or Lyft driver has accepted a fair on the app and is on the way to pick up a passenger. During this period, an Uber or Lyft driver or passenger who sustains injuries in a non-fault car accident may have up to $1 million in liability coverage under their personal insurance policy, uninsured and underinsured coverage under the ride share company's policy, and additional coverage under either a contingent excess insurance policy, if the driver was found to be "less than one percent at fault." An experienced Uber accident attorney can help you decide if you have sufficient compensation and coverage for your medical expenses.

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Period 3: At this point, the Uber or Lyft driver has picked up the passenger and is en route to their destination.  Both companies offer $1 million in liability, uninsured and underinsured coverage. This is also the period where Uber's $100 million+ and Lyft's undisclosed excess policies, which most Uber and Lyft attorneys are unfamiliar with, apply. Collision coverage depends on whether the driver already has collision coverage as well.

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What You Should Do If You’ve Been Involved in a Ride Share Accident?

 

At Rezvani Law Firm, we have the expertise of skilled negotiators. We’ve successfully worked with ride sharing companies in the past. We understand that accident claims are perplexing, but we want to help. Call the Accident Duo today at (310) 694-9500 for immediate assistance.

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