As Uber and Lyft continue to grow, so does the number of accidents involving rideshare services. Need a ride to work, an appointment, or the store? Just call an Uber. Rideshare companies have revolutionized local travel. Unfortunately, the risk of an accident increases as more people take advantage of these services. But does rideshare services affect the outcome of a claim?
Let’s take a deeper look into potential issues that may arise:
Lack of Insurance Coverage
Rideshare companies offer an umbrella of insurance protection to drivers. However, drivers must still disclose this work with their private insurance provider. Most insurers will provide rideshare coverage for an additional premium. And it’s critical to pay the extra cost. Accident claims are often denied without the right coverage, leaving the driver liable for any damages.
Rideshare Driver’s Status
Rideshare insurance policies cover drivers when a passenger is in the car. But what if no one else is in the vehicle when the accident occurs? The insurer might say the driver wasn’t on-call and deny the claim. That’s why logging into the app is crucial before you make yourself available to take rides.
The rideshare service company’s insurance policy covers drivers when transporting a customer. However, if the driver is between calls, awaiting work, or not logged into the app when the accident occurs, they will usually have to file against their personal auto policy.
Insurance Company Denies the Claim
Insurance companies are in the business of making money. That means they will look for any loopholes to avoid paying a claim. Even if the rideshare accident happens during an active call, the insurer might accuse the driver of negligence and deny the claim.
Passenger Sustains an Injury
Who pays the claim if a passenger sustains an injury? In most instances, the rideshare company’s insurance will cover any damages. However, passengers waive the rights to a trial when they agree to the rideshare company’s terms of service. Instead, they will sue the at-fault driver. Because drivers are independent contractors, their private auto policy will need to pay the claim.
Protect Yourself in the Event of a Rideshare Accident
Rideshare services are more popular than ever, but that also means more accidents. So what can drivers do to avoid accidents? Follow these tips:
- Invest in dash cam and interior cameras.
- Always wear a seatbelt and require passengers to do the same.
- Keep noise and distractions to a minimum.
- Avoid driving in dangerous weather conditions.
- Never accept drives when feeling tired.
Unfortunately, even the most cautious drivers can’t always avoid an accident. If you are the victim of a rideshare accident, Massey Law Personal Injury Attorneys can help. We understand the law and will fight to get you the compensation you deserve.
Need someone who knows how to navigate accidents involving rideshare services? Schedule a consultation with Massey Law Personal Injury Attorneys today.