Rideshare drivers have a lot more to worry about than the typical motorist when it comes to accidents. Since you’re on the road so much and potentially driving during late night hours, it’s only a matter of time before an accident happens. And even if you’re the best driver in the world, there are always others who are texting, not paying attention or just bad at driving and there’s not a lot you can do if they run into you!
Uber and Lyft provide $1 million in liability coverage while you’re on a trip or en route to a passenger but you’ll still want rideshare insurance to cover you during Period 1: when you have the app on but are still waiting for a passenger:
Uber Insurance Policy for Drivers
If you get into an accident with a passenger in the car, Uber and Lyft’s insurance policies pay out liability and collision but they often won’t cover things like rental cars, lost wages and medical. But if the other party is at fault, you can actually go through their insurance company to try and get a settlement. Here are just a few of the things that you could be entitled to as a driver:
- Damages to your car: You’ll want to get your car repaired as quick as possible so you can get back on the road.
- Lost Wages: Since you’re a rideshare driver, you won’t be able to make money until your car is repaired so lost wages is extra important.
- Medical: Even at low speeds, you could easily be injured in an accident and need to get costly medical treatment.
- Rental car: You can’t drive for Uber and Lyft with a regular rental car but you’ll still need a car to get around with while yours is in the shop.
If the other party is at fault, you may be entitled to a settlement covering all of the above but it will be up to you to work with the insurance company and others that may be involved. In this situation, I highly recommend finding a lawyer who specializes in rideshare accidents since they will often be able to negotiate a much higher settlement, even after their fee.
Typically, an Uber accident lawyer won’t charge you any upfront fees and they will get paid a percentage based off the settlement. But they can get your car repaired quickly and connect you with doctors ASAP.
Read more about injury coverage here: Are you covered for injuries if you get into an accident while rideshare driving?
Finding a Lawyer
There are a lot of lawyers out there but you’ll want to find one who specializes in rideshare accidents and understands the ins and outs of representing someone who’s been injured in a collision.
Uber Insurance Policy for Passengers
All Uber drivers have to carry personal insurance but while you’re on a trip, Uber and Lyft’s policy is primary and it provides $1 million of liability insurance. This is much higher than the typical personal policy so there is the potential for a very large settlement if you’re injured while in a rideshare vehicle. And just like drivers, you are eligible for lost wages, medical and more if you were involved in an accident as a passenger in an Uber/Lyft vehicle.
This can be a stressful time and it’s nice to work with a law firm who specializes in rideshare accidents since they’ll be able to make sure you get the best care and connect you with the top doctors immediately.