The Role of Uber and Lyft Insurance in Auto Accident Claims - Understanding Your Options in Plano

If you are the passenger of a ridesharing service that gets into a fender bender, the role of Uber and Lyft insurance in auto accident claims can be quite confusing. Although insurance is offered by all major ridesharing firms, the type and extent of the coverage depends on the timing of the accident. To ensure that you get the coverage you need if you ever get into an accident in Plano, Texas, it's important to understand the ins and outs of Uber and Lyft insurance coverage and claim process.

Uber & Lyft Insurance Coverage

Both Uber and Lyft offer similar insurance coverage depending on the situation:

1. If the app is off or disconnected and there is no ride in progress, the driver is covered by their required personal insurance.
2. If the app is on and the driver is waiting for a ride request to come in, Uber and Lyft both offer liability protection for physical injury claims up to the following limits: $50,000 per person, $100,000 per accident, and $25,000 for property damage.
3. From the moment the driver has accepted a trip request and is on the way to meet them through to the completion of the trip, both companies offer $1 million in liability protection for property damage and bodily injury. They both also offer comprehensive and collision insurance with a $2,500 deductible.

It's crucial to keep in mind that both company's insurance only kicks in if the driver is to blame for the collision. Uninsured/underinsured motorist coverage may be used if the at-fault party is driving without insurance or carrying insufficient insurance to pay for damages. Whatever the case, play it safe and contact a Plano Uber accident lawyer with Carabin Shaw to ensure that you are getting the protections you deserve.

Understanding Your Options

Your safety and the safety of anybody else involved in the accident should come first if you are in an accident while riding in an Uber or Lyft vehicle. If you require medical assistance, dial 911. After ensuring that everyone is safe, you should gather important details regarding the collision, including the names and contact details of all people involved as well as any witnesses.

You can make a claim against the insurance policy of the rideshare firm if the Uber or Lyft driver was at fault for the collision. The company should be notified as soon as possible about the mishap. You can monitor the claims procedure for Uber and Lyft using either their websites or their apps.

You might be able to submit a claim with the rideshare company's uninsured/underinsured motorist policy if the at-fault driver has no insurance or insufficient insurance to pay for damages. Your medical expenses, lost wages, and other damages may be partially or fully covered by this policy.

Don’t go it alone. If you have been in an accident and are not receiving the compensation you deserve, reach out to an attorney to discuss the possibility of a Lyft accident lawsuit in Plano.

Carabin Shaw is Here to Help

A lawyer with experience managing rideshare accident cases should be consulted if you were hurt in an accident involving an Uber or Lyft driver. The Plano, TX attorneys at Carabin Shaw, can assist you in dealing with insurance providers, help you through the claims process, and ensure that you are fairly compensated for any damages or losses. We offer a free case review/initial consultation, so there is nothing to lose. Check out Carabin Shaw’s client reviews, then call us toll free at 800-862-1260, we have English and Spanish speaking staff available 24/7.

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