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What Happens When You Are Injured in an Accident Involving an Uber or Lyft?
The transportation industry faced a major overhaul with the introduction of the rideshare services of Uber and Lyft. Over the last decade, these companies have changed the way most people move from one place to the other. This is especially true for people living in the city where the majority do not own a car. While riding on an Uber or Lyft may be convenient, there is always the risk of facing an accident. What happens if you are involved in a crash while using these rideshare services?
If you or a loved one is injured in an Uber/Lyft accident, we may be able to help. With more than 25 years of experience, we know what it takes to hold the liable parties accountable for your losses. Let our experience, skill, and knowledge work for you during this difficult time. To learn more about your case in a free, confidential consultation, call the Law Office of Robert E. Mielnicki today at 412-288-0300.
Private Insurance Carried by the Driver
An Uber or Lyft Driver is required to carry an individual car insurance policy. The driver must also notify his/her insurance company thathe/sheis providing rideshare services. Currently in Pennsylvania there are no required minimum insurance limits that an Uber or Lyft Driver must carry. The state minimum limit requirement is $15,000 per person and $30,000 per accident. Thus, an Uber or Lyft Driver may have low liability coverage limits. When the Driver is off duty and has the Uber or Lyft App off, this private insurance will likely be the only coverage available.
Uber/Lyft Supplemental Insurance
Both Uber and Lyft services provide an additional or supplemental insurance for their drivers. This supplemental insurance will vary depending on whether the rideshare App is on but no ride has been accepted, or if the Driver is carrying a passenger or is en route to pick a passenger up.
App Is On, but No Trip Has Been Accepted
When the ridesharing service App is on, but no trip has been accepted and there is no rider currently in the car, Uber and Lyft provide supplemental insurance that may be stacked on top of the Driver’s personal insurance policy. This supplemental insurance covers $50,000 per person and $100,000 per accident for injury, and $25,000 for property damage.
This means, for instance, that if an Uber or Lyft Driver is driving around with the App on, however has not accepted a trip yet, and gets into an accident, the minimum potential insurance coverage for injury would be $65,000—that would be $15,000 from the Driver’s own policy and $50,000 from the supplemental Uber/Lyft insurance coverage. Of course, if the Driver had more than the state minimum requirement of $15,000, the potential coverage for injury would be greater.
Trip Has Been Accepted and/or There Is a Rider in the Car
If an Uber or Lyft Driver has accepted a trip and/or picked up a rider, both ridesharing services offer greater supplemental insurance coverage. In these circumstances, Uber and Lyft offer $1 Million in supplemental insurance for injury, $1 Million for Uninsured/Underinsured coverage, and property damage coverage to pay up to the actual value of the property.
This $1 Million in injury coverage applies to anyone injured by the Driver. This can include the actual passenger in the vehicle, as well as pedestrians or drivers/passengers in other vehicles. Again, this coverage is stackable on top of the Driver’s personal insurance policy.
Our Pittsburgh Car Accident Attorneys Can Help You After an Uber or Lyft Crash
Being involved in an Uber/Lyft accident can be frustrating and overwhelming. Dealing with insurance companies, at-fault drivers, and hospitals is the last thing you want after being involved in a car accident. At the Law Office of Robert E. Mielnicki, we are aware of the difficulties associated with a car accident, especially when it involves Uber or Lyft. Let our experience and knowledge work for you while you dedicate yourself to healing from your injuries.
To Learn More About Your Case in a Free, Confidential Consultation, Call Our Law Offices at 412-288-0300 Today.