Can You File a Claim Against a Rideshare Driver in South Carolina?

Rideshare apps provide an easy way to get around, offering a less costly alternative to taxi services. Whether you lack access to a vehicle, are concerned about parking, or are unable to drive, requesting an Uber or Lyft can be the answer to your prayers. Although convenient, rideshare accidents are on the rise, making riders question their safety.

At Parker & Bain, we understand the loss of control you may feel after a collision. If you are dealing with medical bills and/or lost wages after a rideshare accident, our legal team would like to speak with you. Our rideshare accident attorneys in Gaffney, SC, have assisted thousands of rideshare passengers, allowing them to resolve their claims faster.

Which Insurance Policy Will Cover My Injuries?

Rideshare accident claims are complex, with an investigation often being conducted to determine liability and which insurance policy will cover damages. If you have been injured while traveling in an Uber or Lyft, do not assume that you will file a claim through the rideshare company’s commercial policy. Instead, the driver’s status will determine which insurance policy applies.

Assuming that the rideshare driver is liable, coverage will depend on what stage of the ride the driver is in at the time of the crash. These stages include:

• Uber driver not logged into the app: If a rideshare driver is involved in an accident during this time, an accident claim will be filed with the driver’s auto insurance policy.
• Uber driver’s app is on, and the driver has accepted a ride: Uber and Lyft cover $50,000 in bodily injury coverage per accident, $100,000 for total bodily injury, and $25,000 in property damage.
• Uber driver is picking up, dropping off, or transporting a passenger: Uber and Lyft will cover $1,000,000 in damages to riders, pedestrians, cyclists, and other third parties that experience injuries. Additionally, both Uber and Lyft offer $1,000,000 in uninsured/underinsured motorist (UM/UIM) coverage.

Assertive Representation Seeking Damages on Your Behalf

Both Uber and Lyft make it mandatory for drivers to maintain their auto insurance. If a rideshare driver was not logged into the app at the time of the accident, you can file a claim through their auto insurance. In South Carolina, the minimum liability limits include $25,000 in bodily injury per person, $50,000 for bodily injury per accident, and $25,000 in property damage.

While these limits may seem generous, medical costs can pile up quickly. Imaging tests, surgeries, and even outpatient procedures can be expensive, placing you in financial distress. Compounded with lost wages, you may be hitting these limits before you know it. By hiring representation, you will have someone who can assess the best course of action given the extent of your injuries.

However, what happens if you are in an accident with an uninsured driver? While rare, it is not entirely impossible. In this case, you would want to consult with a rideshare accident attorney who can investigate and determine if any fraud is involved. If fraud is present, then the rideshare company may be found liable for failing to perform its due diligence in hiring. Given these facts, you may be able to file a claim through the corporate insurance policy. By speaking with an attorney, you can rest assured that your claim is being handled properly.

Consult with Our Rideshare Accident Lawyers Today

Rideshare accidents are becoming more common, with riders and third parties experiencing severe injuries in some cases. Rideshare accident victims may feel unsure about how to recoup their losses, even being flustered by the whole situation. To put the ordeal behind them, individuals may forgo medical treatment, only harming themselves more in the end.

If you have been injured due to an Uber, Lyft, or other rideshare company accident, the legal team at Parker & Bain, LLC, is here to help. With over 20 years of combined experience, our Gaffney rideshare accident attorneys will examine your claim to determine how to proceed. To arrange a consultation, contact us online or by phone at (864) 252-2650.