In the world of today, people aren’t waving down a yellow taxi for ride. People are using their phones to request an Uber or Lyft. Ridesharing is convenient for the passenger or the driver. All you have to do is turn the app on and request a ride or show you’re open to giving rides. When the unexpected happens and you get into an accident, it can be terrifying. On top of that, you might not know what to do. How does your insurance handle it? How does the other driver’s insurance handle it? Just about anyone can become a driver for these ridesharing companies meaning they might not have the right background for rideshare driving.
Consider this situation. You’re rideshare driving and you cause an car accident. Since you’re the one at fault, you’ll have to bear the most financial responsibility. In terms of collision insurance, that part will cover damages to your vehicle from the car crash, not to their vehicle or any others involved. With this insurance, you typically have a deductible. In terms of liability, this part of your policy will cover damages that were made to other vehicles involved in the accident. It will also cover people who were involved in the accident as well as property that was damaged. For example, you hit a mailbox, that will be covered under the liability policy. The liability portion also covers people who were injured in your vehicle who aren’t direct family members. There is also no deductible for liability claims. Medical insurance only covers yourself if you’re injured in the accident and anyone in your car for medical expenses. This is before fault of the accident is determined.
Consider the opposite situation. The other rideshare driver has caused the accident and is at fault. Coverages will be used differently in this scenario. Your collision coverage is different from if you’re at fault and caused the accident. Collision coverage from your insurance is used until they receive payment from the at fault driver’s insurance. You may be liable to a deductible until their insurance pays. In terms of medical coverage, you will be covered and your passengers until the a fault driver’s insurance pays. The uninsured and underinsured policy will pay out if the other driver is at fault and has no insurance or they are underinsured.
Getting into a car accident is extremely scary. When you’re a rideshare driver involved in an accident or you’re hit by one, it can also get confusing. Ridesharing is a fairly new technology and the rules around it can be fuzzy. Places like Miami are popular destinations where Uber and Lyft are used frequently. It’s often that you need to worry about the driving skills of those around you more than your own driving skills. Dealing with the aftermath of a car accident won’t be easy, especially when you may have gotten injured. You don’t have to go through it alone. Get a North Miami Lyft accident attorney who has a background in Uber/Lyft accidents. Make sure you get the compensation you deserve. Contact Neufeld, Kleinberg & Pinkiert, P.A. today for experienced attorneys on your side. Call 305-931-6666 or 954-523-8292 for a free consultation.