Uber and Lyft are everywhere, with rides being no more than five minutes away. Every passenger has a trust that they put with both Uber, Lyft and the drivers to get to their destination safely. However, with so many cars on Dania Beach roads an accident can happen at any time. So whose is held liable for damages and injuries during the accident? Well, it depends on several factors like who is at fault, if there were passengers and the parties insurance coverages. If you or someone you know has been involved in an Uber or Lyft accident it is crucial to contact a Dania Beach Uber/Lyft car accident attorney to discuss your case and weigh your options.
To ensure the safety of their passengers, Uber claims to conduct a multi-state, federal and county criminal background check on all drivers who apply. They also claim to thoroughly review driving records for all applicants before accepting them into the system. They also allege that they continually monitor driving safety records. If this is true then passengers should feel as secure as they do. Sadly, accidents can still happen and if they do what coverage can you expect?
When you are a passenger in an Uber and an accident happens you can be covered by their million dollar commercial liability insurance. This goes into effect from the time you accept an Uber trip until the time you exit the vehicle. This coverage also includes million dollars in uninsured motorist coverage and PIP insurance. Drivers should also have their own insurance. Uber calls this best-in-class coverage and it is great that they protect their drivers and riders this way. Read more about the type of car insurance provided by Uber in case of a car accident. Accessing this coverage can be tricky as seen in previous cases where Uber has attempted to distance themselves from drivers involved in accidents. This is why it is crucial to consult with an experienced Dania Beach Uber accident attorney who can seek compensation on your behalf.
Things can get very complicated when an Uber driver causes the accident. If you are in your own car and the Uber does not have any passengers and is not on the way to pick up any passengers and the driver does not have their own insurance or the insurance policy denies the claim (many insurance providers exclude coverage if the vehicle was being used for work) the Uber commercial policy will cover you for $50,000 per individual / $100,000 per accident and up to $25,000 for property damage. If the Uber driver has passengers, the $1 Million Dollar policy applies.
Uber is not the only ride sharing company out there and we should also take a look at Lyft. Similarly to Uber,. Lyft also says they have a $1,000,000 commercial insurance policy protecting their riders and Lyft drivers. They also conduct background checks on their drivers. Lyft has been know for sticking behind their drivers when an accident does occur so accessing this coverage may not be as difficult but a Dania Beach Lyft accident attorney can negotiate with insurance providers on your behalf. Overall, it appears they provide similar, if not identical insurance coverage compared to Uber in the case of a car accident involving a Lyft vehicle.