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Prefer not to drive but need to get somewhere?
Rather than carpool or take public transit, using a ridesharing service like
Lyft or Uber is another option.
Ridesharing is convenient and usually
inexpensive, making it a popular choice for getting around. However, there’s
one aspect of ridesharing that’s not often talked about: what happens in a
rideshare accident? Who is responsible? Are you protected as a passenger?
The team of car accident attorneys at Boller & Vaughan discuss how ridesharing works, who is liable in an accident, and what to do if an accident occurs.
If you or a loved one have been injured in a ridesharing accident in Wisconsin, call our office at 608-268-0268 or schedule a FREE consultation online.
Whether you’re a passenger, rideshare driver,
or pedestrian, your first step after an accident is to make sure everyone
involved is safe.
Call 911 as soon as possible to request an
ambulance and local law enforcement. The police will make an official report,
which can serve as evidence if you decide to file a lawsuit.
Rideshare drivers and passengers should both report the accident to the rideshare company. Contact Uber support or the Lyft Customer Care team. They can guide you through your next steps. You should also contact your personal insurance company to report the accident.
While you wait for law enforcement and medical
attention, gather information you will need for your insurance and a lawsuit,
should you file.
Write down information such as:
Just because you are involved in a rideshare
accident doesn’t mean that a rideshare driver is automatically at fault.
Liability must be proven by the person who files the lawsuit, similar to the
process for any car accident not involving rideshare drivers or passengers.
From there, different levels of coverage must be considered.
Rideshare drivers who work for Lyft or Uber are
not employees; they’re legally considered independent contractors.
Because they are not an official employee, a
driver’s company can deny responsibility, or liability, for the driver if they
get into an accident.
Even though they can deny liability, rideshare
companies do have insurance policies for their drivers. As a rideshare user, it
is a good idea to familiarize yourself with these types of coverage to protect
It can be a little confusing knowing when one
of these types of insurance coverages starts at which point during the ride. To
understand that, let’s discuss how rideshare drivers break rides up into
Rideshare insurance coverage depends on which “period” a driver is in. Only one policy applies; a driver can’t stack multiple policies. If they’re alone, on the way to pick up a passenger or have a passenger in their car with them, it will affect coverage.
If a rideshare driver is offline, their
personal insurance policy applies.
When a rideshare driver is in “Driver Mode,”
i.e., logged in to their app and available to accept a request, Primary
Liability/Third-Party Liability provides the following coverage until they
accept a ride request:
Primary Liability/Third-Party Liability
remains in effect through the following periods, but the coverage amount
The moment a rideshare driver accepts a ride request and drives to pick up their passenger, the coverage amount increases to $1,000,000 per accident. UM/UIM and Contingent Collision and Comprehensive are both in effect once Period 2 begins.
Once a passenger enters the car up and until
they are dropped off when their ride ends, coverage up to $1,000,000 applies.
Both UM/UIM and Contingent Collision and Comprehensive remain in effect through
When the coronavirus pandemic began to spread in early 2020, Lyft added guidelines for rideshare drivers making essential deliveries, too. Essentially, a delivery is treated similarly to a passenger when it comes to insurance coverage.
If you were recently involved in a rideshare accident, navigating these different insurance coverage types and periods can get overwhelming. In Wisconsin, the Boller & Vaughan team can help.
“Regular” car accidents can be tricky enough
to navigate. You have to deal with the other party’s insurance company when
filing a claim or settling out of court.
Filing a lawsuit for a rideshare accident can
be just as complicated, if not more so. Because rideshare drivers are
independent contractors, it’s not always clear if their personal insurance or
the company’s insurance will handle the claim.
Figuring out liability and filing a lawsuit is
not an easy task to take on alone. And if you’ve been injured in a rideshare
accident, this stressful process can get in the way of your healing. Let an
experienced car accident attorney fight for you.
The Boller & Vaughan team can help you
understand your legal rights and file a lawsuit on your behalf, seeking the
compensation you need to move forward.
If you’ve been injured in a rideshare accident in Wisconsin, call Boller & Vaughan at 608-268-0268 or contact us online. You can also follow our firm on Twitter and Facebook.
Your initial consultation is FREE. If we take on your case, we will work on a contingent-fee basis, which means we only get paid for our services if we recover compensation on your behalf.
We live in Friendship, Wisconsin, and Boller & Vaughan came to our doorstep to discuss our mother’s wrongful death claim on a Saturday morning. Not only were we pleased with the large recovery, we were so thankful to have lawyers who were willing to explain to us every twist and turn along the way. It is great to know there is a law firm that will fight for the rights of elderly people all over Wisconsin.
Mr. Boller and Ms. Vaughan were incredible in working on my case and my daughter’s case. I was out of work and in the hospital with a new baby. Mr. Boller and Ms. Vaughan protected our rights and it was a pleasure to work with them. I hope never to be in another motor vehicle accident, however, if I am and I am injured, I will contact Boller & Vaughan immediately.
I was referred to Michelle through a friend. I have never had a better experience. It took a little over a year to get my settlement but the staff there stayed in constant contact and kept me in the loop. Oh, and Michelle actually got me MORE money than we discussed. I will refer anyone to this firm. Words cannot do justice the thanks that I have for Michelle and her staff (Mary especially) thank you guys so much!
After my husband died as a result of a motor vehicle accident, Boller & Vaughan spent countless hours talking with me, meeting with me in person, and making sure that I was okay. The drunk driver who hit us did not have any insurance, and we had to make a claim through our own insurance. Boller & Vaughan was fantastic at explaining the law to me and the handling of our claims.
After my son was injured in a daycare setting, Ms. Vaughan took the time to thoroughly investigate our case and my son’s injuries. Michele was approachable and had answers to our questions. Talking with her helped to relieve many of our anxieties.