Plantation Personal Injury

Given that ridesharing accidents are relatively new, not much case law concerns insurance coverage in these collisions. Depending largely on the circumstances, in some Uber and Lyft accidents, the rideshare driver’s auto insurance coverage might directly apply.

In other accident cases, the rideshare company’s corporate policy might come into play. Finally, in cases where some other motor vehicle operator caused or contributed to the collision, then the other driver’s car insurance policy might be applicable.

Lyft or Uber corporate coverage has a limit of $1,000,000 under certain circumstances, and these policy limits apply to property damage, personal injuries, and deaths that occur in the accident. Moreover, these policy benefits also come with $1,000,000 worth of uninsured/underinsured motorist coverage.

The Uber or Lyft corporate policy begins to take effect when an Uber driver decides to accept a person’s ride request through the rideshare app, even before the driver picks up the passenger. The corporate coverage available will then remain in effect until the ride fare arrives at the final destination and the trip concludes.

The same is true in cases where an Uber or Lyft driver is technically “on the clock,” logged onto the system, and ready to accept a ride—but does not have the customer at that time. Under those circumstances, the rideshare corporate coverage limits are lower—usually, $50,000 per individual and $100,000 per accident if more than one injured individual is in the accident. In addition, there are corporate policy limits of $25,000 for property damage resulting from an accident.

Uber and Lyft corporate coverage can be confusing, but you should always know when you can file a claim against these policies. They have much higher limits than most drivers’ policies, so it helps to ensure that you receive the full compensation that you need to cover your losses.