The rise of rideshare apps

Ordering a vehicle is just a few clicks away on a smartphone. They have also become essential for tourists and business travelers visiting the USA and looking for a reliable alternative to unreliable public transportation or expensive rental cars. In 2022 alone, Uber drivers completed over 7.6 billion trips worldwide.

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The increasing number of accidents

However, as rideshare services grew exponentially, so did the number of accidents. While many accidents only result in minor injuries, some end in serious injuries, including deaths. According to the Uber US Safety Report 2019-2020, there were a total of 101 deaths in Uber-related accidents between 2019 and 2020. Although this only accounts for a very small percentage of the total trips carried out, it is important to note that accidents that result in serious injuries are not included here. One example of this is the case of a pedestrian in Florida who was seriously injured. The person filed a lawsuit against the driver and the rideshare company because the driver was allegedly distracted as he was using his smartphone while driving. This is not an isolated case, as rideshare drivers must use their cell phone and the company's app to interact with their customers.

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Understanding insurance coverage

It's important to understand how insurance works in connection with rideshare accidents. In the event of an accident involving an Uber or Lyft vehicle, this helps to know what coverage is available and how it may impact compensation for injuries and damage.

When looking at the specific insurance coverage phases, you should know the different phases of active use of a rideshare app. Uber provides clarity and explains when and how insurance coverage applies in various situations.

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offline insurance

When the rideshare app is switched off, the rideshare driver's private car insurance applies. This means that in the event of an accident involving a rideshare vehicle, if the driver is not actively using the app, compensation is usually paid through the driver's private insurance. Private car insurance covers drivers when they are not engaged in rideshare activities.

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Available online and for trips

As soon as the driver activates the app and is available to accept trips, the additional insurance coverage provided by the rideshare company applies. In the event of an accident in which the driver of the rideshare service acts culpably and causes injuries or property damage, the company's liability insurance provides coverage. This insurance from Uber typically provides the following protection:

• $50,000 per person and $100,000 per accident for injuries
• $25,000 for property damage per accident

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On the go or while driving

When the driver has accepted a trip and is on his way to pick up the passenger, or when the passenger is in the vehicle and the journey is on, Uber offers special insurance for ride-sharing and deliveries. This insurance cover includes:

• At least $1,000,000 for property damage and injuries to passengers and third parties in the event of a culpable accident involving the rideshare driver.
• Coverage for the driver's vehicle repair costs up to actual cash value, with the deductible typically being $2,500. However, this coverage requires the driver to have private motor insurance with comprehensive and collision protection.
• Optional accident insurance that is available in most U.S. states and covers additional medical costs for drivers who are injured while driving. This insurance is specifically designed for drivers.

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What to do after a rideshare accident

In the unfortunate event of a rideshare accident, it is crucial to take immediate action to protect your rights and ensure fair compensation. Here are a few key steps:

• exchange of information: Obtain contact and insurance information from all people involved, including witnesses.
• Documenting the scene of an accident: Take photos of the accident scene, including vehicle damage, road conditions, and visible injuries.
• File a police report: Report the accident to the police and obtain a copy of the police report for documentation.
• Medical checkup: Even if you feel good, a medical examination is important to evaluate any injuries. Some injuries, such as concussions and spinal injuries, may not be immediately noticeable but can have serious consequences if left untreated.
• Avoid social media: Avoid discussing the accident on social media, as anything you post could be used against you in a lawsuit.

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Compensation claims: Know your rights

After a rideshare accident, victims can be entitled to various types of compensation, including:

• Medical expenses: Coverage for medical treatment, including hospital bills, surgeries, and rehabilitation.
• loss of earnings: Compensation for loss of income due to incapacity to work following the accident.
• Compensation: Compensation for physical and emotional suffering as a result of the accident.
• property damage: Reimbursement of vehicle repair or replacement costs and lost personal property.
• Permanent disability or disfigurement: Compensation for long-term or permanent injuries.
• loss of community: Compensation for loss of community or support as a result of the accident.
• punitive damages: Additional compensation in cases of extreme negligence or intentional misconduct.

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The importance of legal representation

Given the complexity of rideshare accidents and insurance claims, seeking legal representation is critical to protect your rights and pursue fair compensation. Experienced personal injury attorneys can navigate the legal process, collect evidence, negotiate with insurance companies, represent victims, and take legal action when necessary. Urban Thier & Federer, P.A.'s experienced lawyers have a proven track record of personal injury and wrongful killings in the U.S. and internationally.

contact us Get advice today, and let us fight for the compensation you deserve.