Rideshare services are available all over the country, including the state of Iowa. While this mode of transportation can efficiently and privately get you to your destination, not every trip ends as it should. If you’ve been involved in an Uber or Lyft crash, you’ll benefit from working with the Iowa rideshare accident lawyers.
Uber and Lyft are found across Iowa in some of the states bigger areas, including the following:
- Cedar Rapids
- Des Moines
- Iowa City
- Sioux City
Regardless of where your accident occurred, we’re here to help. In order to understand the claims process and what you’ll need to do, let’s start by taking a look at how Uber and Lyft accidents are different from regular car accidents.
Uber and Lyft Accidents: How They’re Different
When an auto accident happens, there are often questions regarding liability and who is responsible for any related injuries. When you’re a rideshare passenger, however, you are not at fault for what happened, and you have to determine who should be held accountable.
With a rideshare crash, you will likely either hold the driver or their company responsible for your injuries and losses. If the driver was negligent, like if they broke a traffic law, you could look to hold them accountable. If you believe the driver shouldn’t have been behind the wheel to begin with, you may be able to hold the rideshare company responsible for negligent hiring.
When it comes to rideshare crashes, you also have company policies to deal with—in addition to any applicable state laws. Fortunately, your lawyer will be well-versed in anything that could impact your claim.
Top Causes of Rideshare Accidents
Car accidents can happen for a number of reasons, but given the nature of ridesharing, there are some reasons that are more common than others when it comes to why rideshare accidents happen.
- Distracted Driving. Uber and Lyft drivers are constantly looking at their phones while they’re driving. If they are in an unfamiliar area, they may rely more on GPS devices and not pay attention to the road around them.
- Speeding. If a driver is trying to get in as many trips as possible in an evening, they may disregard the speed limit. Doing so could result in losing control of their vehicle.
- Inexperience. While Uber and Lyft drivers are supposed to be vetted prior to being allowed access to the app, there’s a chance they could lie about their driving experience. In the event a driver doesn’t have the necessary experience needed, they could unnecessarily put passengers at risk.
- Fatigue. If a driver remains active for too long, they could become tired. If they are focused on completing as many rides as possible, they could risk falling asleep at the wheel. Driving while tired can be just as dangerous as driving under the influence of alcohol.
- Reckless Driving. Uber and Lyft drivers who ignore stoplights, drive through stop signs, fail to yield to the right-of-way, and commit other reckless driving acts could injure themselves and others.
Understanding Auto Insurance Limits in Iowa
If you were involved in an Uber or Lyft accident while being transported to a destination, any injuries and losses would likely be covered by the companies’ insurance policy—which includes $1 million worth of coverage.
If, however, you’re involved in an accident with an Uber or Lyft driver as a pedestrian or other driver, you will likely have to seek compensation from their insurance company. What is available will depend on their policy.
In Iowa, there are auto insurance limits that drivers have to abide by. This means that as long as your driver is ensured, you can expect a certain amount of coverage to exist. The minimum amount of coverage is $20,000 for bodily injury, $40,000 per incident, and up to $15,000 for property damage. Depending on the driver’s insurance policy, there could be other coverages available to help you pay for any accident-related losses. Examples include comprehensive, collision, and medical benefits.
The Rideshare Law Group Can Help
It only takes seconds for a rideshare accident to upend your life completely. Even if you’re only suffering from minor injuries, you could be looking at unexpected medical bills and time away from work. If you’re dealing with serious injuries, you could be facing extensive expenses and lost earning capacity. No matter what’s up ahead, you’ll benefit from working with our Iowa rideshare accident lawyers.
At the Rideshare Law Group, we represent Uber and Lyft accident victims on a nationwide basis. We understand the complexities of rideshare insurance policies, and we’re prepared to fight for your right to full and fair compensation.
Once you get in touch with our attorneys, we’ll begin guiding you through the claims process and ensuring you understand what your best options are. Contact us today for more information.