Rideshare accidents have different rules than ordinary auto accidents. This is because of the legal skill and cleverness of companies like Uber and Lyft, who try to keep themselves from getting sued at all possible turns. These companies use the classification of “independent contractor” to keep many legal problems from landing at their front door.
However, by no means are these companies uninsured. In fact, when drivers have picked a passenger and are in the process of transporting them to their destination, there is a $1 million insurance policy in place. The amount of coverage depends on the stage of the process that drivers are in at the time of the crash. There is a lesser amount of coverage if they have the app on and are driving to a pickup.
If you have been injured in an accident with an Uber or Lyft car when there are no passengers in the car, you may be dealing with a lower amount of coverage. Therefore, your claim could be both against the driver’s insurance and your own UIM coverage. This is where a rideshare accident claim can get complicated.
Nonetheless, there is always some type of insurance policy in place, no matter what, for rideshare drivers. This could either be their own personal insurance or the rideshare company’s policy, or a combination of both. This means that you are dealing with an insurance company in the wake of your rideshare accident. Lyft uses big insurance companies like Greenwich to insure it from third-party liability. The companies also work with insurance partners that drivers can use when they need to extend their own car insurance to be rideshare drivers.
The presence of an insurance policy means that you have to deal with an actual insurance company to get the money that you may be legally entitled to as part of your claim. This brings into the picture a company that is not trying to make it easy for you to obtain an equitable settlement. These companies are also banking on the fact that they have superior knowledge to you that gives them the upper hand in the settlement process. Their thought process is usually that you should happily take whatever they offer you.
This is why it is never good to go through the insurance claims process alone after a rideshare accident. You need to have someone in your corner who can be an equalizer between you and the powerful insurance company. This is what rideshare accident attorneys in Little Haiti can do for you. They give you the confidence and the firepower necessary to take on the insurance company.
Your attorney helps you by knowing the true value of your claim. They have worked with enough clients over the years to understand what each personal injury claim is worth. They can calculate things such as pain and suffering, lost wages, and the costs of your medical care to reach the value of your claim. This may keep the insurance company from preying on your possible lack of knowledge in settlement negotiations. Your attorney would advise you to reject a settlement offer that does not come close to paying you for your injuries and damages.
The insurance company will be looking closely at your medical records, ready to question and reduce your payment at a moment’s notice. This is why having clear and well-written medical records is a must.
At 388CEDA, our doctors offer the following medical services:
Not only do we have doctors who can treat and diagnose you, but we also have a network of attorneys with whom we work who have a track record of fighting for their clients. We can recommend one to you upon request. Call us today at 1-800-388-CEDA to learn how we can help you after your rideshare accident.
388CEDA is not a law firm or an attorney referral service. 388CEDA does not provide legal advice, services, or legal representation to anyone including but not limited to visitors to this site or individuals/persons responding to our advertisements. In Florida, 388CEDA provides the following types of physician services: M.D., Orthopedic Surgeons, Anesthesiologists, General Practitioners, Nurse Practitioners, & D.C., Chiropractic Physicians that document and treat individuals that have suffered injuries. Results may vary and are not guaranteed. If you have any questions or need assistance, please call one of our agents at 388CEDA. We work with experienced attorneys.