How Insurance Coverage Works in Rideshare Accidents

Since the advent of rideshare services, fewer people are using public transportation. Those on vacation or exploring the city can log into the rideshare app and request a ride just minutes in advance. With the surge of Uber and Lyft drivers on the road, you must know what to do if you are involved in a crash.

Unlike everyday car accidents, you may be able to submit a claim through the rideshare company’s commercial auto policy. This will depend on the driver’s status at the time of the crash. Whether you are a frequent passenger or an Uber or Lyft driver, the accident lawyers at Parker & Bain in Gaffney, SC, are here to inform you of your rights.

Rideshare Accident Claims in Gaffney, SC

Although Uber and Lyft provide drivers with an app so that they can accept rides, drivers are still considered independent contractors. In a rideshare accident, even if the rideshare driver is deemed at fault, the claim will not necessarily be filed under their auto insurer. Instead, the rideshare driver’s status will determine which insurance will apply.

• Uber driver not logged into the app: An accident claim will be filed under the rideshare driver’s auto insurance.
• Uber driver’s app is on, and the driver has accepted a ride: Uber and Lyft will cover up to $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 in property damage.
• If the Uber driver is picking up or transporting a passenger, Uber and Lyft will cover $1,000,000 in third-party liability insurance and $1 million in uninsured/underinsured (UM/UIM) motorist coverage. Third-party liability coverage will only apply if the rideshare driver is at fault. UM/UIM will apply in hit-and-run accidents and when the other driver is underinsured or has no insurance.

TNC Drivers in Gaffney, SC

South Carolina defines individuals hired under a rideshare company that uses a digital platform to schedule rides and collect compensation as transportation network companies. Transportation network company (TNC) drivers may use their vehicles in the scope of their duties, but must apply for a permit with the state before providing services. By getting state approval, the TNC driver ensures that they are taking appropriate safety measures to keep riders safe. This license is separate from the screening process performed by the rideshare company itself.

How a Rideshare Accident Attorney Can Help

If you have experienced harm while using a rideshare service, an experienced rideshare lawyer can assist you in filing your claim by:

• Evaluating which insurance policy should serve as primary coverage when multiple policies are involved
• Gathering evidence of damages (lost wages, medical expenses, etc.)
• Evaluating which insurance policy will apply, coverage, and policy limits
• Negotiating with insurance companies 
• Reaching a settlement that meets your financial needs

Reach Out to Our Rideshare Accident Lawyers Today

Following a rideshare accident, you need someone who can provide you with the answers you need. A rideshare attorney can address any of your concerns, helping you navigate the complex nature of rideshare accident liability. Whether you were a passenger or a driver, you should be familiar with how insurance claims work in rideshare accidents.

At Parker & Bain, our Gaffney rideshare accident attorneys believe that knowledge is key to a successful claim. If you need help with filing a rideshare accident claim or your claim is being denied, our legal team can help. To discuss your case, contact us online or give us a call at (864) 252-2650 at your earliest opportunity.