Rideshare services like Uber and Lyft have become a convenient way to get around, whether you're heading to the airport, meeting friends, or simply skipping the hassle of driving. Most of us don’t consider safety when hopping into a rideshare vehicle; after all, these companies are built on the idea of convenience and reliability.
But what happens when a rideshare trip takes a sudden, unexpected turn for the worse, and you’re injured in a motor vehicle accident (MVA)? Questions immediately arise about who’s responsible, what your rights are as a rideshare passenger, and how to protect yourself in the aftermath.
Immediate Steps to Take After a Rideshare Accident
The moments following an accident can be chaotic and overwhelming. However, taking the right actions early on can make it much easier to pursue compensation later.
1. Check for Injuries and Call 911
Your number one priority is safety. Check yourself and others for injuries, and call 911 if there are any signs of harm, no matter how minor they may seem. Even if injuries aren’t immediately apparent, having a professional evaluate the situation is always a good idea.
When emergency services arrive, the police create an official accident report, which is critical evidence if you later file a claim.
2. Document Everything You Can
If you’re able, gather as much evidence from the scene as possible. Start by taking photos or videos of the accident scene, including damage to the vehicles, your surroundings, and any visible injuries. Make a note of key details like the time of day, weather conditions, and anything else that stands out.
Don’t forget to get names and contact information from the rideshare driver, other drivers involved, and any witnesses. Ask for the rideshare driver’s insurance details and the rideshare company’s contact information.
3. Report the Accident to the Rideshare Company
Most rideshare platforms require drivers to report accidents immediately to the company. However, you should take the initiative to report it yourself as well, either through the app or by contacting their support team. This ensures there’s an official record of what happened.
4. Seek Medical Attention
Even if you feel okay after the accident, it’s imperative to see a doctor as soon as possible. Some injuries, like concussions or soft tissue damage, might not reveal symptoms right away but could have lasting effects if untreated.
A medical evaluation prioritizes your health and creates a clear record of your injuries, which will be crucial for your legal case later.
Understanding Insurance Coverage in Rideshare Accidents
When you’re injured during a rideshare trip, figuring out whose insurance covers what can be confusing. Rideshare platforms like Uber and Lyft typically provide insurance coverage, but the specifics depend on the circumstances surrounding the accident and who was at fault.
Rideshare Company Insurance
Both Uber and Lyft offer liability insurance for accidents involving their drivers. Here’s how it typically works during different phases of the ride:
The Driver Is Logged Out of the App
If the rideshare driver isn’t logged into the app, the rideshare company’s insurance doesn’t come into play. Instead, the driver’s personal auto insurance will apply.
The Driver Is Logged In, Waiting for a Ride Request
Uber and Lyft provide limited liability coverage at this stage, typically up to $50,000 per person for bodily injury and $25,000 for property damage if the driver’s personal insurance doesn’t fully cover it.
The Driver Is En Route to Pick Up a Passenger or Has a Passenger in the Vehicle
When the ride has been accepted or is in progress (meaning you’re inside the car), rideshare companies generally carry up to $1 million in liability coverage. They also include uninsured/underinsured motorist coverage, which protects you if the accident was caused by a driver without enough insurance.
Determining Fault
Who caused the accident significantly affects how your claim will proceed. If another driver caused the crash, their insurance would be the primary payer, and the rideshare company’s insurance might fill in any gaps. The company's coverage typically applies if the rideshare driver was at fault.
Navigating this web of policies and responsibility can be complicated, which is why it is so important to have a legal expert on your side.
Filing a Claim
Filing a claim after a rideshare accident involves several steps, and avoiding common pitfalls that could harm your case is crucial.
1. Notify the Insurance Companies
Inform the rideshare company, the rideshare driver’s personal insurer, and the insurance company of any other party involved in the crash. Be cautious when speaking with insurance adjusters and stick to the facts; avoid admitting fault or making statements about your injuries until you’ve consulted with an attorney.
2. Prove Your Damages
To recover compensation, you’ll need to show the extent of the damages caused by the accident. This includes medical bills, receipts for out-of-pocket expenses, proof of lost wages, and documentation of any pain and suffering you’ve experienced.
3. Negotiate a Settlement
Insurance companies may offer you a settlement quickly, but these initial offers often don’t reflect the full scope of your damages. Work with an attorney to negotiate a fair amount that accounts for both your immediate needs and long-term expenses.
Why You Need a Personal Injury Attorney
Personal injury claims involving rideshare companies can get complicated fast. Here’s why having an attorney in your corner makes all the difference:
Understanding the Legal Landscape
Rideshare cases often involve layers of liability, multiple insurance policies, and corporate legal teams. An attorney knows how to untangle these complexities and determine the best course of action.
Building a Strong Case
Your lawyer will gather key evidence, including accident reports, medical records, and witness statements, to build a persuasive case on your behalf.
Maximizing Compensation
Rideshare companies and insurers may attempt to offer settlements that fall short of covering your full damages. An experienced attorney will fight for what you truly deserve.
Giving You Peace of Mind
With a legal expert managing the details of your case, you can focus on recovering without the added stress of navigating the claims process.
Albuquerque Rideshare Accident Attorney
In conclusion, if you've found yourself needing legal guidance after a rideshare accident in Albuquerque, NM, the Law Office of Nathan Cobb stands ready to assist. With specialized expertise in medical malpractice and personal injury law, our team is committed to ensuring your rights are protected and you receive the compensation you deserve. Contact us today at (505) 572-1160 to schedule a consultation and let us help you every step of the way.