How Does Insurance Work with Rideshare Accidents?

How Does Insurance Work with Rideshare Accidents?

Most people know the basics of what to do for a car accident claim, but not everyone knows what to do after as a passenger in a rideshare accident. Rideshare services are so new that insurance standards vary across different rideshare drivers and services. This leaves many injured passengers confused about how much compensation they are eligible for after a rideshare accident. Knowing how rideshare insurance works and what to do is essential for seeking the compensation you need. Be sure to talk to an Oklahoma car accident lawyer if you have questions. 

How Rideshare Accident Insurance Works

Rideshare insurance all too often depends on the rideshare driver and rideshare service you used. Some rideshare drivers carry personal injury plans with a special provision for passengers while other rideshare drivers carry some form of commercial insurance. Each rideshare service and driver can differ on whether they cover accidents with uninsured or underinsured drivers.

Uber and Lyft are some of the most commonly used rideshare services in the United States and both offer specific types of insurance coverage. When it comes to Uber, this company provides How Does Insurance Work with Rideshare Accidents?$1,000,000 worth of insurance coverage during a rideshare trip for injured third parties and other drivers. This coverage only takes effect when the rideshare driver has the transportation network company (TNC) application on and is traveling from one place to another. 

This coverage can be used for uninsured drivers, underinsured drivers, and liability issues. This means passengers and other drivers may receive compensation for personal injuries, lost wages, medical expenses, and other damages. Uber also offers collision and comprehensive coverage for physical damages. 

Lyft offers contingent insurance coverage that applies when the rideshare driver is waiting for a request. This company offers collision and comprehensive coverage, uninsured and underinsured coverage, and primary automobile liability insurance. These cover the time between when the driver accepts a passenger request and drops off the passenger. 

What to Do After a Rideshare Accident

Seeking compensation after a rideshare accident is similar to doing the same after a car accident. You will want to build a strong file of evidence of what happened and what damages you sustained. Collecting evidence after a rideshare accident works similarly.

Take pictures of your injuries and the scene of the accident, including the wreckage. While some rideshare services will automatically cover you, collecting this additional evidence does not hurt. Whereas, not collecting any evidence at all could lead to complications if a rideshare driver, transportation network company or insurance company decides to work against you. 

Collect the name of your rideshare driver and their service along with the names of witnesses. Collecting witness statements can be beneficial. Also, be sure to ask for a copy of the police report, but make sure you call 911 first. 

Car Accident Attorney in Oklahoma 

Taking steps to protect your finances as a passenger after a rideshare accident can be hectic. Consider talking with an Oklahoma auto accident lawyer if you are facing obstacles to receiving compensation. Call the Law Firm of Griffin Reynolds at (405) 721-9500 today for a free consultation.