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Our Oklahoma City Car Accident Lawyers Explain Your Options After a Ridesharing Wreck

Being involved in any type of accident is stressful, but what happens if you’re injured in a ridesharing collision? Whether you were the driver or a passenger, knowing what to do after a ridesharing accident can be confusing.

If you or a loved one sustained injuries in a ridesharing accident, our team of experienced Oklahoma City car accident lawyers at Colbert Cooper Hill Attorneys can help. We have the knowledge necessary to handle this type of accident. Below, our team has provided tips for both drivers and passengers involved in a ridesharing accident.

Ridesharing: What Does it Mean?

Ridesharing is a common form of transportation that allows individuals to request and pay for a ride using an app on their phones. Ridesharing companies, like Uber and Lyft, have become increasingly popular for their convenience. However, it’s important to understand your options if you’re involved in an accident while using a ridesharing service.

Common Injuries After Ridesharing Accidents

As with any vehicle accident, Uber and Lyft collisions can occur for multiple reasons and may result in minor to severe injuries, including but not limited to:

  • Traumatic brain injuries (TBI)
  • Fractures
  • Spinal cord injuries
  • Cuts and lacerations
  • Death

What to Do After an Uber or Lyft Accident

If you find yourself in a ridesharing accident, it’s imperative that you know how to proceed. Victims who sustained injuries caused by a negligent Uber or Lyft driver may be entitled to compensation. Similarly, if you suffered injuries as a direct result of another motorist while working or riding under a rideshare app, you may be able to file a claim for damages.

Unfortunately, some victims make rash decisions that end up damaging their chances of receiving compensation for their injuries.

In order to help protect any compensation you may be entitled to, it’s important to understand what steps to take after an accident:

  1. Remain at the accident scene.
  2. Check to see if anyone involved suffered injuries.
  3. Call for help. This can include first responders and the police.
  4. Take pictures of the scene of the accident and any injuries.

Make sure to ask for contact information from everyone involved in the wreck.

  1. Collect statements from witnesses, if applicable.
  2. File a report with the ridesharing app.
  3. If you suffered injuries that were not your fault, contact an attorney about your options.

While these tips may help you after an Uber or Lyft accident, filing a claim with a ridesharing company can be challenging. Additionally, ridesharing laws can vary from state to state, so it will be to your advantage to consult an experienced attorney who understands the laws surrounding this type of case.

Rideshare Companies and Their Insurance Policies

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Uber and Lyft both have insurance policies that are intended to protect drivers and passengers who are involved in an accident while using their services.

If You’re the Passenger

Passengers who suffer an injury in an accident while using a ridesharing service may be eligible to obtain compensation for damages, however, it must be proven that your injuries were a direct result of the negligent behavior of the driver or another motorist, as in any other vehicle accident.

The key difference between filing a claim in a regular motor vehicle accident and a ridesharing accident is what insurance company will be liable for your damages.

In some cases, the driver’s personal insurance company may be responsible for paying your claim. Other times, the ridesharing company may cover your expenses. It can be difficult to determine who is liable after an accident and which insurance company to file your claim against. Due to these complexities, we recommend that you contact our firm to discuss the best course of action.

If You’re the Driver

Both Uber and Lyft provide insurance for drivers in the event of an accident. In addition to this coverage, drivers are required to have their own personal car insurance.

The policies provided by Uber and Lyft are not exactly the same and the terms stated in each policy varies from state to state. Below is a brief overview of what is generally included in each policy:

Uber’s Insurance Policy

If the accident occurs while you’re:

Offline or the app is turned off

Your personal car insurance coverage will apply.

Available or waiting for a ride request

  • Third-party liability, if your personal auto insurance doesn’t apply
  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

En route to pick up riders during trips

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury
  • Contingent comprehensive and collision
    • Up to the actual cash value of the car ($1,000 deductible)

Lyft’s Insurance Policy

If the accident occurs while you’re:

Offline or the App is off

Your auto insurance will apply.

The app is on/in driver mode

Drivers have four types of coverage available under Lyft. These four coverages are in effect from the time you accept a ride until the time the ride has ended in the app, unless otherwise noted. The four coverages include:

  • Contingent liability (coverage only while in driver mode waiting for a ride request)
  • Primary automobile liability
  • Contingent comprehensive and collision
  • Uninsured/underinsured motorist (UM/UIM)

For more information about Lyft or Uber’s policies, visit their websites.

Damages You May Be Entitled to Receive

After being involved in a car wreck that wasn’t your fault, you may be eligible to obtain compensation for damages. Every vehicle accident case is different and the amount of compensation you may receive will depend on the severity of your injuries. Compensation can help cover:

  • Medical expenses
  • Lost wages
  • Pain and suffering

Other types of compensation may be available, depending on the circumstances of your case.

Our Attorneys Can Help You Understand Your Legal Options

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Auto accident cases can be complex, especially when they involve a ridesharing vehicle. For this reason, it’s in your best interest to contact our experienced Oklahoma City car accident lawyers to help you understand your options.

At Colbert Cooper Hill Attorneys, we are passionate about helping injured victims receive the justice they deserve. Ridesharing accidents involve many details that must be reviewed in order to determine if you are able to receive compensation.

To discuss your legal options, call our law office at 877-579-6800, or fill out our free consultation form.