Rideshare companies like Lyft bring a lot of advantages to people. If they’re going out for the night, they don’t have to worry about driving. They save time and money searching for a parking space and then paying for it. And it’s as easy as pressing a button on your phone to get a ride. But when a car accident happens, the insurance part can be confusing. In these situations, a Lyft accident lawyer can help you get the compensation you need.
The Rideshare Law Group knows that you’re not at fault and deserve compensation so you can recover. We’re committed to providing legal aid to victims of rideshare accidents and their families. We’ll discuss your case and figure out the best way to proceed.
How Does Lyft Work?
Lyft is a rideshare company where you use the Lyft smartphone app to get a ride. You request a ride and you’re matched with a nearby Lyft car. The app will show you the driver and the car coming to pick you up so you know what to look for. In addition to a base charge, your drive also costs more per mile and per minute.
Originally, people identified Lyft cars because they had giant pink mustaches on the front. Now, you can identify the cars by their dashboard color. A device called the Amp lights the car to the same color on your Lyft app so you know which Lyft car is yours. This helps save time finding your ride because Lyft offers a variety of cars you can order depending on your budget and party size:
- Original. This option offers space for 4 passengers in a typical vehicle.
- Line. For those who wish to save money, this option pairs you with another person on a similar route. You share the car for a lower rate.
- Plus. For larger parties, Plus offers rides in typical vehicles that can fit up to 6 passengers.
- Premier. Going a step above the other options, Premier is for high-end luxury cars and a party size of 4.
- Lux. Like premier, Lux rides are high-end, but it’s Lyft’s version of a black car service. For larger parties, Lux SUV is available to 6 passengers.
Rideshare options like Lyft mean users don’t have to worry about their own cars or having the responsibility of driving themselves or others. With an increasing demand in rideshares, more people are getting into cars with a rideshare employee as the driver.
Unfortunately, car accidents still happen. Accidents involving rideshare drivers and vehicles are complex because rideshare passengers may be injured even though they didn’t have anything to do with the crash. Dealing with insurance and accident claims in this situation can be extremely complex because there may be three insurers involved—your Lyft driver’s, Lyft’s corporate insurance company, and the other driver’s.
What Are Lyft’s Liability Policies?
As a passenger in the car, you’re not at fault for the accident. If your driver hit someone, then they’re responsible and if another driver hit your Lyft car, then that driver is responsible for the accident. But how does insurance work? Lyft has contingent liability coverage, meaning that there are different times in the Lyft ride that affect your insurance:
- The App is Off. When the app is off, the driver has yet to receive a ride request and their personal insurance covers this aspect of the drive.
- Driver Mode is Activated. This is before a ride request is accepted, but the app is in Driver Mode. At this point, the contingent liability coverage is applicable here if your personal insurance will not cover you. Lyft has policies that will cover up to $50,000 per person, $100,000 per accident, and $25,000 for damaged property.
- Your Ride is Matched. When the driver accepts a ride, Lyft’s primary liability insurance covers the drive. This policy has a set limit per accident of $1,000,000.
- You’ve Reached Your Destination. The primary liability extends to this part of the drive as well.
- Non-Collision Coverage. In the event of an emergency that doesn’t involve a collision, like a fire or vandalism, there is contingent comprehensive coverage for the repairs if the driver has comprehensive coverage on their personal policy.
- Other Driver’s Fault. If another driver causes the accident, there’s a chance that they could be an uninsured motorist (UM) or an underinsured motorist (UIM). This is included in the primary liability coverage and is in effect between your match notification to when the passenger arrives at their destination.
If your accident occurred while you were a passenger in a Lyft vehicle, your driver should have been in Driver Mode. If, however, you were a driver of another vehicle that was involved in a car accident with a Lyft driver, this is where a claim could get complicated. In this situation, you may find the Lyft may try and claim they’re not liable at all. If your Lyft driver doesn’t have private insurance, you may find yourself unable to get the compensation you need for recovery.
Lyft Accident Injuries
Common car accident injuries which may result in a rideshare accident include:
- Whiplash. When your head quickly snaps back and forth, a large amount of stress is put on your neck. This motion is typical in car crashes because of the impact. People with whiplash can feel symptoms of neck pain or stiffness, limited range of neck motion, headaches, tenderness, dizziness, and more.
- Traumatic Brain Injury. The impact of a crash can make your head hit something and result in a concussion, fracture, or injury where an object penetrates the head. TBI symptoms can be persistent headaches, slurring, seizures, and weakness.
- Broken Bones and Sprains. A person’s arms and legs can get injuries like sprains or break from a crash.
Get Help from a Lyft Accident Lawyer
Car accident injuries can possibly affect you for the rest of your life. You shouldn’t have to worry about paying for injuries that happened through no fault of your own. Balancing medical bills, visiting medical professionals, physical therapy, and missing work is a lot to handle. But you don’t have to do this by yourself.
Taking the first step of contacting a Lyft accident lawyer puts you on the path of recovery. A dependable injury lawyer will get you through your claim and possibly alleviate some of the stress you’re feeling. You’ll have peace of mind that someone is working on your behalf to get you compensation for your injuries, pain and suffering, and lost wages. Your lawyer will deal with harassing phone calls from insurance adjusters so you don’t have to.
Your voice deserves to be heard and we’ll help you amplify it. Rideshare Law Group will fight for your rights with expertise and determination that yields results. Get in touch with us today for a free consultation. We won’t stop until you get a favorable result.