Liability in Ridesharing Accidents
Led by major companies like Uber and Lyft, the ridesharing industry is becoming increasingly popular, thanks to its convenience, affordability, and accessibility. In Indiana, rideshares offer a reasonably safe and cost-effective way for people to get around, whether they live in urban or rural areas. However, with increased use comes an increased risk of vehicle accidents and injuries. Unlike other types of commercial transport operators, Uber, Lyft, and other rideshare drivers are not formally trained and are therefore just as susceptible to a collision as any other motorist on the road.
If you were involved in a ridesharing accident, liability for your resulting injuries will depend on the various facts of the incident. Did your Uber driver run a red light and hit another vehicle? You may be able to hold the driver and/or Uber responsible. Were you hit by a Lyft driver who was actively looking for but had not yet picked up a passenger? You may be able to recover limited compensation for your damages.
Contact Tabor Law Firm at (317) 236-9000 for a free consultation with one of our Uber and Lyft accident attorneys in Indianapolis.
What Compensation Is Available for Victims of Ridesharing Accidents?
If you are involved in an accident with an Uber or Lyft driver, you may be able to file a personal injury claim and seek compensation for your damages. The amount of compensation you will be able to recover, as well as who you will be able to take action against, will depend on the unique circumstances of the accident.
Uber and Lyft both offer third-party liability coverage up to $1 million per accident for passengers who are injured in accidents caused by an Uber/Lyft driver. This coverage applies to motorists in other vehicles who are hit by Uber/Lyft drivers who have a passenger at the time of the accident. Uber and Lyft also offer up to $1 million in uninsured/underinsured motorist coverage. This may apply if another driver is at fault for the accident but does not have adequate insurance to cover your damages. Keep in mind, this insurance coverage only applies when the Uber or Lyft driver has the app switched on (or is in “driver mode”) and has accepted a ride (has a passenger).
If an Uber or Lyft driver is in “driver mode” but has not yet accepted a ride, his or her corresponding rideshare company still offers liability coverage, but it is less than the $1 million coverage offered when the driver has picked up a passenger.
If the Uber or Lyft driver is in “driver mode” but does not have a passenger, Uber/Lyft offers the following coverage for accidents caused by the Uber/Lyft driver:
- Up to $50,000 per person in bodily injury liability
- Up to $100,000 total per accident in injury liability
- Up to $25,000 in property damage liability
If an Uber or Lyft driver is not in “driver mode” at the time he or she causes an accident, injured victims will need to seek compensation through the driver’s personal auto insurance policy.
Trusted Representation for Complex Claims
Accidents involving rideshare vehicles are typically very complex; seeking compensation for your injuries after such an accident can feel overwhelming. At Tabor Law Firm, however, we have the experience, skill, and available resources to aggressively pursue these types of claims. Our Indianapolis Uber and Lyft accident lawyers can serve as your advocate and guide throughout the entire legal process.
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