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Petersburg Uber and Rideshare Accident Lawyer

Dealing with a car accident is difficult on its own. But the problems can be compounded when one driver involved was working for a rideshare company. Whose insurance pays for the accident? Is it the driver’s, the transportation network company’s (TNC), or yours?

Because drivers for rideshare companies such as Uber and Lyft are independent contractors, there could be several parties liable for your injuries. Our Petersburg rideshare accident lawyers help victims determine liability and understand who they should contact.

The Dangers of Ridesharing

Why are rideshares dangerous? Rideshare companies are responsible for about 10% of traffic on city roadways these days. Because of the nature of the Uber app and GPS apps, drivers for these companies often have to take their eyes off the road to manage the apps.

Also, since drivers are rated on the number of rides they finish and their speed, they have an incentive to speed. These drivers will also park sometimes in unexpected spots to pick up or drop off a rider. This can put other drivers, cyclists, and pedestrians at risk.

Liability in a Rideshare Accident

Determining liability in a taxi accident is easy. Taxi drivers are employees of the cab company. If you were hurt by one, then you would reach out to the insurer of the employer. But for rideshare companies like Uber, it’s not so easy.

This is because of the independent contractor status of rideshare drivers. This status gives them a lot of flexibility on the job, but it could also make them personally liable for your accident instead of the rideshare company.

This is a fairly new area of law, but enough cases have happened that there are some general guidelines for deciding which insurance company to contact. That said, it’s still good to talk with a rideshare accident lawyer in Petersburg for advice.

Understanding Rideshare Insurance Policies

Drivers working for rideshare companies in Petersburg are required to carry their own personal car insurance, in addition to the liability coverage rideshare companies provide. This is because the company’s liability coverage will only apply in certain scenarios. 

For example, Uber’s insurance policy comprises the following:

  • In the event of an accident when the driver’s Uber app is off, the driver is considered to not be on the job. Therefore, their personal auto insurance will be used.
  • When a driver is available for rides and has the Uber app on, their personal insurance and Uber’s contingent liability coverage can be used when an accident takes place. Uber’s coverage provides between $50,000 and $100,000 for injuries and $25,000 for property damage.
  • When an Uber driver is carrying a passenger on an Uber trip, the company’s commercial insurance covers the driver and passengers. This coverage includes up to $1 million in third party liability and $1 million in uninsured/under-insured coverage.

Lyft and other rideshare companies have similar insurance policies covering their drivers. Because of the various factors that play into the different types of coverage, recovering damages can be complex. 

Choosing the Wrong Insurer

If you try to file a claim on your own and choose the wrong insurer, it will take much longer to get compensation. Time is of the essence when pursuing an insurance claim, and you don’t want to jeopardize your potential payout.

By hiring an Uber and rideshare accident lawyer in Petersburg, you can let them handle the messy details of finding the right insurance company to contact while you focus on recovery. Should your case need to go to trial, they can also determine who needs to be parties in the lawsuit.

Why You Need a Petersburg Uber and Rideshare Accident Lawyer?

Rideshare accident victims rarely know what steps they must take to get compensated for their losses. Insurance companies, especially those providing coverage to large companies such as Uber and Lyft, will often attempt a low-ball settlement offer, avoid payment on a claim, or deny a claim altogether. 

Insurance companies will also run their own investigation of the accident. One of the many factors that could affect your injury claim is the common insurance company tactic to insist your injuries aren’t as severe as you claim they are.

If an insurer refuses a fair agreement, you will need a professional to advocate for you in court. Often, Petersburg Uber and rideshare accident attorneys will work for you on a contingency fee basis, which means they will not require any legal fees up front, but will only be paid once you win.

Why Choose Pendleton Law to Represent You?

By hiring an attorney at our firm who knows the process for successfully getting compensation after a rideshare accident, your rights will be protected. Our lawyers are skilled negotiators who will not settle for less than a fair amount on your claim.

  • We have a thorough understanding of rideshare laws and insurance policies, empowering us to reclaim your losses.
  • Our Petersburg personal injury attorneys employ a highly efficient approach to every case with the use of the latest technological advances.
  • We’ll help you create a unique legal strategy that meets your needs.

Contact Our Uber and Rideshare Accident Lawyers in Petersburg Today

Our firm knows how to successfully handle a Petersburg Uber or rideshare accident case. We will help navigate you through the complex insurance claims process and ensure you get the full compensation you deserve. Call us at the number on your screen and schedule a free consultation, or reach us online through our contact form.