While rideshare services offer a convenient and private mode of transportation, not every driver is responsible behind the wheel. In the event you’re injured in a crash with an Uber or Lyft driver, the Alabama rideshare accident lawyers from the Rideshare Law Group can help. We represent accident victims on a nationwide basis, and we’re prepared to take your case on next. In order to understand how best to proceed after a crash, let’s start by taking a look at your rideshare options in Alabama.
Rideshare Services in Alabama
While there are a number of rideshare services available throughout Alabama, the two most popular are Uber and Lyft. As far as where these services are accessible, the most popular cities for ridesharing in Alabama include the following:
If you do not live in one of those cities, it’s possible ridesharing options are still available to you. If you choose to use Uber or Lyft, both companies operate similarly. As a rider, you download the app, create an account, and request a ride. A nearby driver will be offered your trip. If they accept, you will receive information regarding your pickup and their vehicle and identity. It’s important to confirm both before getting into the car. Once the trip begins, it’s the driver’s responsibility to get you to your destination safely. If all goes as planned, they will drop you off at your desired location, and you can rate the trip on a five-star scale.
In the event the trip does not go as planned, and you get into an accident, you’ll want to understand the state insurance requirements, as well as the rideshare companies’ insurance policies, so you are aware of where the compensation for your losses could come from.
Alabama Auto Insurance Requirements
Each state sets the minimum coverage limits required for drivers. It’s the vehicle owner’s responsibility to ensure they have the proper amount of coverage in the event of an accident. When it comes to rideshare crashes, there are instances where the driver’s personal policy will come into play when you seek compensation. If that’s the situation you’re in, Alabama’s minimum auto insurance requirements include:
- $25,000 for bodily injury liability per person
- $50,000 maximum for all bodily injuries per accident
- $25,000 for property damage per accident
In the event the driver is responsible for the accident and Uber or Lyft cannot be held accountable, which is possible in certain situations, you can file a claim with the at-fault party’s insurance company or, if you have collision coverage, you can file with your own insurance company. They will seek recovery from the at-fault party.
Uber and Lyft Insurance Policies
In the event your attorney believes you can hold Uber or Lyft accountable for your accident, you will need to understand how the companies’ insurance policies work.
When an Uber driver is en route to pick up riders or is transporting passengers, Uber maintains a $1 million third-party liability uninsured/underinsured motorist bodily injury policy. In addition to that, Uber also has contingent comprehensive and collision coverage that includes up to the actual cash value of a car with a $2,500 deductible. Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible.
When personal insurance does not apply to a Lyft accident and the rider has their app on, the company provides third-party liability insurance of $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 per accident for property damage. When a Lyft driver is transporting a passenger, the company provides $1 million for third-party auto liability, uninsured/underinsured motorist bodily injury, and contingent comprehensive and collisions up to the car’s actual cash value with a $2,500 deductible.
Why Hire a Rideshare Accident Lawyer
With how complex rideshare accidents are, you’ll want to have an attorney by your side throughout the claims process. Not every claim is approved. Claims are often denied because of invalid policies, lapsed policies, and illegitimate injuries. Your lawyer, however, will fight on your behalf to prove you have a valid claim, serious injuries, and substantial losses.
In addition to guiding you through the claims process and ensuring you understand what’s happening every step of the way, your attorney will also give you the time you need to recover while they navigate your case and keep you up to date. Instead of stressing about litigation and paperwork, you can focus on healing physically and emotionally while your lawyer handles your financial recovery.
Determining the value of a claim isn’t always simple, so your lawyer will conduct a thorough investigation to calculate your medical expenses, lost income, and pain and suffering. This way, you won’t have to settle for less than you’re owed.
No matter how complex your rideshare accident case is, our attorneys have extensive experience representing Uber and Lyft crash victims. We understand how in just mere seconds your life can change completely. Instead of trying to manage your case on your own and having to figure out how to manage your losses, an Alabama attorney from the Rideshare Law Group can represent you and ensure your rights are upheld.
Get in Touch With the Rideshare Law Group
No matter the extent of your injuries or the seriousness of your accident, you deserve the chance to recover as fully as possible after an Uber or Lyft crash. Our Alabama rideshare accident lawyers are prepared to provide you with strong legal representation and guidance at the Rideshare Law Group. To learn more about your rights and options, schedule a free case evaluation with our law firm today.