As ridesharing becomes a popular mode of transport in Orlando, many residents and tourists alike have questions about what happens if they are hurt in an accident while using services like Uber or Lyft. What kind of protection do you have? Are you adequately insured? Below I explain the insurance policies of both Uber and Lyft, along with what legal protections are available to you following an accident.
Understanding Rideshare Insurance Coverage
Rideshare companies like Uber and Lyft carry insurance coverage, but it’s crucial to understand the specifics of these policies. The coverage can vary depending on whether the app is on, whether you’re transporting a passenger, or if you’re waiting for a request. Below, we break down the insurance coverage provided by both rideshare giants.
Uber’s Insurance Policies
When an Uber driver has the “app on,” they are logged into the Uber app and working, either waiting for ride requests, en route to pick up a passenger or driving a passenger. This status determines insurance coverage in case of an accident.
While the app is off
When the driver is not logged into the app, Uber’s liability coverage does not apply. In case of an accident, the driver’s personal insurance will be the primary coverage, which may not be sufficient if they are driving for a rideshare company.
While the app is on, but waiting for a passenger
Once the driver is logged into the Uber app and is waiting for a ride request, *Uber provides the following coverage*:
- Liability Coverage: Up to $100,000 per person and up to $300,000 per accident for bodily injury.
- Property Damage: Up to $50,000 for damage to other vehicles or property.
- Uninsured/Underinsured Motorist Coverage: While Florida does not mandate rideshare companies to provide uninsured motorist coverage, Uber includes this as part of their insurance package for drivers when they are logged into the app and have accepted a ride.
While Transporting Passengers
When a driver is on the way to pick up a passenger or already has one in the car, Uber’s insurance coverage increases significantly:
- Liability Coverage: Up to $1 million for bodily injury and property damage.
- Comprehensive Coverage: Covers physical damage to the driver’s vehicle during the ride.
- Contingent Collision Coverage: Provides coverage for damage to the driver’s vehicle, subject to a deductible.
Lyft Insurance Policies
When the App is Off
Similar to Uber, when the Lyft app is off, Lyft does not offer liability coverage, and the driver must rely on their insurance.
When the app is on, but qaiting for a passenger
Lyft provides the following coverage for drivers who are logged into the app:
- Liability Coverage: Up to $50,000 per person for bodily injury and up to $100,000 per accident.
- Property Damage: Up to $25,000 in property damage coverage.
When transporting passengers
If the Lyft driver is actively transporting passengers, their coverage increases:
- Liability Coverage: Up to $1 million for bodily injury and property damage.
- Uninsured/Underinsured Motorist Coverage: Additional protection if the other driver lacks sufficient insurance.
What Happens After a Rideshare Accident?
If you find yourself injured in a rideshare accident, whether as a passenger, a driver, or a third party, it’s essential to take the proper steps:
Steps to Take After an Accident
- Seek Medical Attention: Getting checked is important even if injuries seem minor.
- Call 911: Always report any accident involving injury.
- Exchange Information: Get everyone involved’s names, numbers, and insurance details.
- Document the Scene: Take photos of the scene, vehicles, and injuries.
- Contact a Personal Injury Attorney: The single most important action to take to ensure you are protected legally.
- Contact Your Insurance: Inform your insurance and the rideshare company about the accident. The should occur after speaking to your attorney.
What if You’re Injured as a Passenger?
If you were a passenger in the rideshare vehicle during an accident, you would typically be covered under the rideshare driver’s insurance policy. You might have the right to seek compensation for:
- Medical Expenses: Covers hospital bills, surgeries, therapy, etc.
- Lost Wages: Compensation for time missed from work due to the injury.
- Pain and Suffering: Compensation for emotional distress and pain due to the accident.
What if You’re a Third Party?
If you’re an innocent bystander or the driver of another vehicle involved in the accident, you could file a claim against the rideshare driver’s insurance. Your own insurance may also be able to help cover costs.
Consulting a Personal Injury Attorney
Rideshare accidents can be complex because they involve multiple parties and varying insurance policies. Consulting with a personal injury attorney can help you navigate the legal maze. They can provide guidance on:
- Your Rights: Understanding your rights after an accident.
- Liability Determination: Identifying who may be liable for your injuries.
- Maximizing Compensation: Ensuring you receive the rightful compensation based on your damages.
Whether you’re a frequent rideshare user, a driver, or a pedestrian, it’s crucial to understand the insurance coverage provided by Uber and Lyft. Familiarize yourself with the details, and always prioritize safety and well-being, whether on the road or in the backseat. Remember, if you’ve been injured in a rideshare accident, you have options, and seeking legal advice can be your best move.
When in doubt, consult a personal injury lawyer who understands rideshare laws in Orlando. I am ready to help and ensure you receive the coverage and compensation you deserve.
Stay safe, Orlando!