Ridesharing apps like Uber and Lyft are prevalent choices for booking a cab these days. These mobile applications connect drivers with people searching for a cab. While the drivers behind the wheel are trained, they must not negate the possibility of accidents.
If you have been injured in a ridesharing accident, as a pedestrian, passenger, or in any other form, you should consult an experienced attorney about filing a claim for damages. Our Hampton injury attorneys specializing in rideshare accidents can assist you with the legal proceedings of your case.
After a Rideshare Accident Occurs
After a rideshare accident, the person hurt might not know where to get help. If you were hurt in a car accident with an Uber driver in Virginia, a lawyer could help you through the insurance claims process.
Remember to call the police immediately after the accident, just like any other car. Your driver should have already told the police about the accident, but you should do it just in case. After that, get those injuries checked out. You need to keep track of your injuries so you can file an insurance claim. Take pictures of any injuries you got and any damage to your property.
After an accident, many people have the wrong idea that Uber will pay for their costs. Uber cares more about safeguarding its interest than paying fair compensation. So, you might be approached by an insurance provider to offer you a minimum settlement.
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Negotiating a Rideshare Accident Case with an Insurance Provider In Virginia Beach
Under Virginia law, ridesharing companies must have insurance plans that cover up to $1 million in damage. You can be sure that your lawyer will use rideshare service insurance and your driver’s policy to ensure you get the compensation you are legally owed.
Even though there is insurance to make up for people’s losses, insurance adjusters are only sometimes willing to pay a fair amount. Our rideshare accident lawyers can help you settle with the insurance company.
We will help you and assist you in both the endeavors of your case, whether you choose to negotiate or sue the at-fault party.
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Who Can Be Held Liable in a Lyft Accident?
If you’ve been hurt in a collision with a rideshare service in Hampton, you have two options for seeking restitution:
- The driver’s own auto insurance policy may be responsible for paying any damages you incur.
- The rideshare business will handle your compensation request itself.
Knowing who to sue after an accident is crucial to receiving compensation. Who pays for what after an accident heavily depends on the situation’s specifics. A qualified rideshare accident attorney first conducts an in-depth investigation to advise you on who to sue for compensation.
Sometimes, you may file a claim for compensation with both the ridesharing provider and the defendant driver. However, remember that such a case may quickly become quite complex, necessitating the services of a legal team like those offered by Christina Pendleton & Associates.
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Who Pays Rideshare Accident Compensation?
If an Uber or Lyft driver was to blame for an accident, passengers could get compensation based on these tiers:
- If a rideshare driver causes an accident while not on the clock, their auto insurance policy will be liable for covering any damages.
- It remains the rideshare driver’s insurance company’s responsibility to cover damages in the event of an accident, regardless of whether or not the driver had a passenger in the vehicle at the time. The rideshare service will cover the rest of the personal carrier’s limitations are reached, or the claim is denied.
- When an accident happens while an Uber or Lyft driver is taking a passenger or is on their way to pick up the customer, the companies’ comprehensive liability insurance plans kick in and pay for the damages.
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What Type of Insurance Coverage Do Rideshare Drivers Have?
Typically, rideshare companies will need drivers to have their liability insurance in place and any minimum liability coverage the state mandates. Uber and Lyft offer three-tiered insurance coverage that varies based on the situation, in addition to the driver’s insurance:
Tier 1
When the ridesharing app is disabled, the driver’s car insurance will be necessary to cover any damages.
Tier 2
The driver has activated their ridesharing app and is accepting requests. Both Uber and Lyft offer 50/100/25 liability coverage.
This translates to a limit of $50,000 in physical injury liability per victim and $100,000 in total accident liability. There is a cap of $25,000 on any property damage claims. The minimum limits of these rules vary by state.
Tier 3
The driver is either on their way to pick up or is already with a customer. In this case, both businesses have a $1,000,000 liability coverage that may be used in an accident.
A $1 million uninsured motorist coverage is available from both firms.
For Legal Assistance with your Hampton Accident, Contact a Rideshare Accident Lawyer
You should be compensated for your injuries and damages. Competing with established companies like Uber and Lyft might make the claims process daunting. Our ridesharing accident attorneys in Virginia are ready to take on your case and fight for a favorable judgment.
Getting in contact with our legal office as soon as possible allows us to arrange a free examination of your case and get you back on your feet as quickly as possible. We will look into your claim, calculate your compensation, and deal with the insurance company on your behalf.
If litigation is required to resolve your claim, we will advise you every step of the way. Get in touch with us now if you’re interested in finding out more.
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