Navigating an Auto Accident Involving a Rideshare Vehicle: What You Need to Know

Ridesharing services like Uber and Lyft have revolutionized our travel, offering convenience and flexibility with just a few taps on a smartphone. However, the rise of these services has also introduced new complexities in the event of an auto accident. If you’re involved in an accident with a rideshare vehicle, understanding your rights and the steps you must take is crucial. The Palmdale Uber and Lyft accident attorneys at Kistler Law Firm can guide you through what to do if you’re involved in an auto accident with a rideshare vehicle.

How Rideshare Insurance Coverage Works

One of the most complicated aspects of an auto accident involving a rideshare vehicle is determining which insurance policy applies. Rideshare drivers typically use their personal vehicles, but their personal insurance may not cover accidents that occur while they are working for a rideshare company. Fortunately, rideshare companies like Uber and Lyft provide insurance coverage that applies under different circumstances:

1. Driver Not Logged into the App – If the rideshare driver is not logged into the app at the time of the accident, their personal auto insurance is the only coverage available. In this scenario, the accident would be treated like any other private vehicle accident.
2. Driver Logged into the App, Awaiting a Ride Request – When a driver is logged into the app but hasn’t accepted a ride request, the rideshare company typically provides limited liability coverage. In California, this coverage generally includes up to $50,000 per person for bodily injury, $100,000 total for bodily injury per accident, and $25,000 for property damage.
3. Driver En Route to Pick Up a Passenger or Transporting a Passenger – When a driver is on their way to pick up a passenger or is actively transporting a passenger, the rideshare company’s full liability coverage comes into play. This coverage includes up to $1 million in liability insurance, as well as uninsured/underinsured motorist coverage.

Understanding these coverage scenarios is crucial because it determines whose insurance you’ll need to file a claim against and what compensation might be available to you.

What to Do Immediately After the Accident

If you’re involved in an accident with a rideshare vehicle, the steps you take immediately afterward can significantly impact your ability to file a claim and seek compensation. Here’s what you should do:

1. Ensure Safety and Seek Medical Attention – Your health and safety should be your top priority. Check yourself and others for injuries, and if anyone is hurt, call 911 immediately. Even if you feel fine, it’s important to get a medical evaluation as some injuries may not be immediately apparent.
2. Call the Police – Report the accident to the police, regardless of the severity. An official police report can serve as valuable evidence when filing a claim. Be sure to provide accurate information and request a copy of the report for your records.
3. Document the Scene – Take photos of the accident scene, including all vehicles involved, any visible injuries, and any property damage. Also, capture details like road conditions, traffic signs, and any skid marks. If there are witnesses, gather their contact information.
4. Exchange Information – Exchange contact and insurance information with the rideshare driver and any other drivers involved in the accident. Make sure to note whether the driver was logged into the rideshare app and if they were on their way to pick up a passenger or had a passenger in the vehicle.
5. Notify the Rideshare Company – If you were a passenger in the rideshare vehicle, notify the rideshare company of the accident through the app or their customer service. This will initiate their internal process and could be important for any claims you may need to file.
6. Consult an Attorney – Contact an experienced personal injury attorney as soon as possible. Navigating a claim involving a rideshare vehicle can be complex, and having legal representation can help ensure that your rights are protected and that you receive fair compensation.

Filing a Claim After a Rideshare Accident

Filing a claim after an accident involving a rideshare vehicle can be more complicated than a typical auto accident claim due to the multiple insurance policies that may be involved. Here’s an overview of how the process works:

1. Determining Liability – Liability in rideshare accidents can be complicated, especially if multiple vehicles are involved. Your attorney will need to determine who was at fault for the accident. In some cases, fault may be shared between the rideshare driver, another driver, or even a third party like a municipality responsible for road maintenance.
2. Dealing with Insurance Companies – Once liability is established, your attorney will identify which insurance policies apply. This could involve the rideshare driver’s personal insurance, the rideshare company’s insurance, and any other drivers’ insurance policies. Your attorney will handle communications with these insurers, ensuring that your claim is filed correctly and that all necessary documentation is provided.
3. Negotiating a Settlement – Insurance companies often try to minimize payouts, so having an attorney negotiate on your behalf is crucial. Your attorney will work to ensure that you receive compensation that covers all your damages, including medical expenses, lost wages, property damage, and pain and suffering.
4. Litigation – If a fair settlement cannot be reached, your attorney may recommend taking the case to court. While many personal injury cases settle out of court, having an attorney who is prepared to litigate if necessary can significantly strengthen your negotiating position.

Why You Need a Palmdale Auto Accident Lawyer

Dealing with an auto accident involving a rideshare vehicle can be overwhelming, especially when you’re trying to recover from injuries. Kistler Law Firm has the experience and expertise to navigate the complexities of rideshare accident claims. We understand the intricacies of insurance coverage, liability determination, and negotiation and are dedicated to fighting for the compensation you deserve.

When you work with Kistler Law Firm, you can expect personalized attention and a commitment to your case. We will thoroughly investigate the accident, gather evidence, and work with experts as needed to build a strong claim. Whether through negotiation or litigation, we are prepared to pursue the best possible outcome for you.

Contact Kistler Law Firm

If you’ve been involved in an auto accident with a rideshare vehicle, it’s essential to understand your rights and the steps you need to take to protect them. The process can be complex, but with the proper legal guidance, you can navigate it successfully and secure the compensation you deserve.

Contact the Palmdale and Lancaster auto accident lawyers at Kistler Law Firm today to schedule a free consultation. Let us help you understand your options and guide you through the legal process so you can focus on your recovery.