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Rideshare services, including Uber and Lyft, provide convenient and cost-efficient transportation. Lyft and Uber offer some insurance coverage that applies when drivers are transporting passengers or en route to pick them up. When you are in an accident in a rideshare car, however, it may not be clear who is responsible for covering damages, since rideshare drivers are independent contractors with their own automobile insurance. Our knowledgeable car accident attorneys help you clear up the confusion.

A Miramar Beach Uber/Lyft accident lawyer is available to discuss insurance claims and lawsuits when you are stuck with a hospital bill and do not know where the money will come from

How Ridesharing Works

Transportation Network Companies (TNCs) like Uber and Lyft allow drivers to decide when and how much they work. Passengers request a driver using an app and Uber or Lyft will offer drivers in the vicinity the opportunity to transport them. The TNC collects the fare paid by passengers and pays drivers’ their percentage.

Types of Rideshare Insurance

Personal auto insurance in Florida does not cover ridesharing workers transporting paying customers. The state requires drivers to purchase a rideshare endorsement on their personal insurance. Drivers may add gap coverage to fill in where Lyft and Uber’s commercial policy does not cover. A hybrid policy that combines personal and rideshare coverage is also available.

Uber and Lyft provide limited coverage when the driver’s rideshare app is turned on and the driver is waiting for a passenger, which is called Phase 2. In Phase 3, the transportation phase, Lyft and Uber provide at least $1 million in third-party liability and some additional coverage with restrictions, including collision with a $2,500 deductible up to the appraised value of the driver’s car. A Miramar Beach Uber/Lyft accident attorney could discuss the merits of an insurance settlement versus a personal injury lawsuit.

Weighing an Insurance Settlement Against an Injury Lawsuit

Insurance companies often stall and offer less than fair settlements, hoping injured parties will be desperate enough to accept their offers. An attorney who is a skilled negotiator and is familiar with insurers’ tricks could build a credible negligence case and use the facts to show a claim’s true value.

If a settlement cannot be reached, it may be best to head to court against the rideshare company to plead the case to a jury. Uber and Lyft may try to skirt any blame by claiming the driver is an independent contractor. If the accident involves a rideshare driver transporting passengers or hitting another motorist on the way to pick up a passenger, however, a Miramar Beach Uber/Lyft accident attorney could put liability on the company itself since it provides some insurance.

As of March 24, 2023, claims involving injuries caused by someone’s negligent, careless, reckless, or intentional behavior must be filed within two years of the accident, rather than the four-year window that existed previously.

Consult a Miramar Beach Uber/Lyft Accident Attorney for Help

After an accident, rideshare companies will shift blame away from themselves by claiming the drivers are not their employees, and therefore the company is not responsible for the accident. Insurers may lowball settlement offers. You should not have to stand for this treatment when you are dealing with a significant injury. A Miramar Beach Uber/Lyft accident attorney could stand for you and fight to get you fair compensation. Reach out to us now for a free consultation.