Lyft Car Accident Lawyers: How Different Are They From a Normal Wreck?
Accident insurance can be confusing enough when it’s just one driver dealing with an insurance company. Rideshare drivers and passengers involved in a wreck have to deal with the rideshare’s insurance company as well as their own. While you might think that more insurance might make getting compensation easier, that’s not necessarily the case.
Rideshare companies like Lyft have created a new mode of transportation with its own liability challenges. With rideshare drivers, you can expect the same amount of accidents as those who drive for a living in other industries. After an accident, you should treat the incident as you would in any other vehicle.
Seek Medical Care
If you were in an accident as a passenger or a driver in any other situation, you’d seek medical attention if it’s warranted. That should take place in this situation too. Let the ambulance take you to the hospital if you’ve been injured.
Information on the Driver
Whether you head to the hospital or not, you should get information on the other driver. The police report will have the details on the driver if you are unable to obtain it yourself.
Photos and Witnesses
Take a few photos of the scene and talk to any witnesses who may have seen the accident, especially if the other driver is to blame. Keep this information for the lawyer you may need to hire.
Insurance Company Discussions
It’s never a good idea to discuss things with the insurance company before you’ve talked to a lawyer. Allow the lawyer to have all the conversations with the insurance agents. This is especially true with the agents for the rideshare company’s insurance and the other driver’s insurance.
The Difference in Rideshare
Lyft requires their drivers to have their own insurance policies. The policy should be a commercial one to cover other people in the vehicle, but the rideshare company has coverage for its drivers.
If you are on an active Lyft ride, the driver and passenger will be covered under Lyft’s insurance policy. However, there are times when the app is on, and the driver is seeking passengers. In that case, the rider may not be covered under the best policy.
On Duty versus Seeking Passengers
When a driver opens the app to seek passengers and heads out to pick them up, the driver is essentially on the rideshare’s insurance, but at a much lower rate. The lower rate is a $50,000 liability policy.
Once there is a passenger in the vehicle, the driver and passenger are both under the umbrella of a $1 million-dollar commercial policy. This policy provides coverage for other drivers who might be underinsured or uninsured.
With the app off, drivers are not working for the rideshare company, and their own policies would cover any accidents. There shouldn’t be any Lyft passengers in the vehicle, but if there are, those passengers would be at the mercy of the rideshare driver’s personal policy or the other driver, depending on who was at fault.
Check the Rideshare Company’s Website
If you’re not riding with Lyft, you should check to see what the company you are riding with has for insurance coverage.
Some rideshare companies classify their drivers as independent contractors, not employees. Contractors are responsible for their own insurance policies, and that might be a problem for a driver or a passenger using one of those companies.
The difference between “on duty”/online and “off duty”/offline can be quite confusing. If you are seriously injured, medical bills and co-payments are piling up, and you’ve likely missed work, you might be struggling to support your family. All of that can be incredibly stressful aside from having to deal with the insurance company as well as the rideshare company.
An experienced Lyft accident attorney can potentially deal with all of that for you. That attorney may be able to get you compensation for pain and suffering as well as medical bill coverage and lost wages. It’s important that you bring in an attorney as soon as possible. Click here or call 720-545-2689 for a free consultation.