While car accidents of any kind can be devastating, those that involve Uber and Lyft drivers come with their own  complexities.

Drivers who work for ridesharing services often use their personal vehicles and do not typically carry a commercial driver’s license or commercial auto insurance; however, because they are working when an accident occurs, their personal policy will not cover the accident.

Uber and Lyft do offer liability insurance to drivers. The insurance kicks in when the drivers’ carrier denies their claim, as most insurance companies do not cover personal vehicles used for ridesharing.

Both companies have similar policies with four different stages, or periods, that offer different amounts of coverage. Each period is defined by where the driver is in the ridesharing process.

  • Period 0: The driver is not logged in to the app and is not covered.
  • Period 1: The driver is logged in but has not yet accepted a ride request. If they are in an accident that is the driver’s fault, the company will cover up to $50,000 per personal injury, $100,000 total, and $25,000 in property damage.
  • Period 2: The driver has accepted a trip and is on their way to pick up a rider. In this case, the liability coverage increases to $1 million.
  • Period 3: A rider is in the car. This is the most comprehensive coverage, with $1 million in liability coverage, limited coverage for damage to the driver’s car, and uninsured motorists’ coverage.

Like all car accidents, drivers involved in an accident with a ridesharing vehicle should follow a few steps:

  1. Get the names and contact information for all drivers involved
  2. Get the insurance information for all drivers involved
  3. If there are any witnesses, obtain their contact information
  4. Take pictures of the accident
  5. Call the police from the accident scene

Thousands of people use ridesharing apps in Los Angeles every day. As their prevalence continues to rise, so will the prevalence of accidents involving these company’s employees.

At Lungin Law, we are familiar with the unique difficulties of Uber and Lyft accidents. Our attorneys understand what makes a regular car accident different from a ridesharing accident.

Our lawyers are well-versed in vehicle accident law, and they will ensure that you receive the highest quality representation. If you have been in an Uber or Lyft accident, contact Lungin Law today.

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