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No one likes dealing with the hassle of a car accident. Things become even more complex when one of the drivers works for a ridesharing organization. The question of whose insurance covers the Lyft or Uber accident can quickly become a guessing game.

Because drivers for ridesharing firms like Uber and Lyft are independent contractors, your injuries could be the responsibility of multiple parties. Our Chesterfield rideshare accident attorneys assist victims in determining liability and who to contact.

Compensation from Ridesharing Auto Accidents

Your mobility and quality of life may be reduced due to any vehicle accident while you’re healing. You could have to skip work, miss time with family, or go to ongoing physical rehabilitation as a result of an Uber or Lyft driver’s negligence.

If you suffered harm in Chesterfield, you may retain legal representation to seek damages for the following losses:

  • Medical costs
  • Expired wages
  • Pain and distress
  • Limited capacity to earn money
  • Mental distress

You may be eligible for compensation if your injuries have caused you to incur additional costs. Our personal injury lawyers will evaluate your case and provide a settlement estimate during your consultation appointments.

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Liability for an Uber or Lyft Accident in Virginia

Liability in a taxi accident can be easily established. The cab firm employs taxi drivers. If one caused you harm, you would contact the employer’s insurance provider. It’s not that simple for ridesharing businesses like Uber, though.

This comes as a result of rideshare drivers’ position as independent contractors. They have a lot of freedom at work because of this status, but they may be held personally responsible for your accident rather than the ridesharing business.

Despite the fact that this field of law is still relatively new, there are enough instances that have occurred that there are some general rules for choosing which insurance company to contact. Despite this, it’s always wise to consult with a ridesharing accident attorney in Chesterfield.

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Insurance Coverage for a Rideshare Company After an Accident

In addition to the liability insurance that rideshare providers provide, drivers in Chesterfield are required to have their own personal auto insurance. This is because specific circumstances must exist for the company’s liability coverage to be applicable.

For instance, the following is covered under Uber’s insurance policy:

When the App Is Closed

If an accident occurs when the driver’s Uber app is not running, they are not deemed to be working. Consequently, their own auto insurance will be applied.

When the App Is Open

When a driver is ready for trips and has the Uber app open, an accident may be covered by both their own insurance and Uber’s contingent liability coverage. Between $50,000 and $100,000 in medical expenses and $25,000 in property damage are covered by Uber’s insurance.

When a Rideshare Passenger Is in the Car

The company’s business insurance protects the driver and passengers when an Uber driver is transporting a passenger on an Uber journey. This plan covers uninsured/underinsured coverage of $1 million as well as third-party liability coverage of up to $1 million.

Similar insurance plans protect the drivers for Lyft and other ride-sharing businesses. Recovering damages can be difficult due to the numerous variables affecting the different coverage forms.

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Why a Rideshare Accident Attorney is Necessary

Rarely do those who are injured in a rideshare accident know what to do to recover their losses. Insurance companies, especially those covering big businesses like Uber and Lyft, frequently make low-ball settlement offers, delay paying claims, or outright reject claims.

Additionally, insurance firms will conduct their own investigations into the collision. The usual insurance company strategy of minimizing your injuries is one of the numerous things that might impact your injury claim.

If an insurer rejects a reasonable settlement, you will require a lawyer to represent you in court. Our ridesharing accident lawyers in Chesterfield will represent you on a contingency fee basis, which means you won’t have to pay anything upfront and they will only be compensated if you win.

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Choosing A Rideshare Accident Attorney

Your rights will be safeguarded if you choose an attorney from our firm who is familiar with the procedure for obtaining compensation following a ridesharing accident. Our attorneys are adept negotiators who won’t accept a settlement for your claim for less than it is worth.

We are able to recover your damages since we have a solid awareness of ridesharing legislation and insurance plans. Our personal injury lawyers in Chesterfield take a very effective approach to every case. We’ll work with you to design a special legal plan that addresses your requirements.

Contact a Highly-Rated Accident Attorney in Chesterfield Today

The lawyers at Pendleton Law are skilled at handling an Uber or rideshare accident lawsuit in Chesterfield. We will guarantee that you receive the maximum compensation you are due while guiding you through the difficult insurance claims procedure. Contact us to book a free consultation with us.

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