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Law Office of Cohen & Jaffe, LLP

Uber Accident Lawyer

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Uber and Lyft Accident Claims

Uber and Lyft are transforming transportation, but they can leave passengers and other drivers at risk for personal injury if they are involved in an accident. Ridesharing insurance policies can be complicated, and the companies often don’t want to pay for the injuries and damages caused by their drivers. You’ll need an experienced car accident attorney to help you demand the compensation that you deserve.

At The Law Office of Cohen & Jaffe, our rideshare accident lawyers we’ve successfully handled ridesharing accidents throughout Long Island and nearby areas including Nassau County, Suffolk County and Queens. We know how complex recovery be, and we’re here to help. Our experienced Uber and Lyft accident lawyers will listen to you and help you build a strong personal injury claim.

Our dedicated injury attorneys have worked with insurers of every type to get our clients the compensation they need for their injuries. If you’ve been hurt in a crash with an Uber or Lyft driver, contact us today for a free consultation.

How Insurance Works for Uber and Lyft

Uber, Lyft, and other ridesharing services have complex insurance policies. Coverage will depend on what the driver was doing, and whether he or she was using the ridesharing application at the time of the accident:

  • If the Uber/Lyft application is off: The rideshare driver is operating as an individual and his or her own insurance should cover the accident. The ridesharing service does not provide insurance coverage in this situation.
  • If the Uber/Lyft application is on and the driver is waiting to pick people up: Uber and Lyft provide some coverage during this period. In New York, these services provide $75,000 of bodily injury coverage per person, $150,000 total bodily injury coverage per accident, and $25,000 of property damage coverage.

They also provide uninsured motorist coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, $50,000 for the death of a person, and a total of $100,000 for death per accident.

  • If the Uber/Lyft application is on, and the driver is en route to a passenger or is driving a passenger to their destination: Both companies offer a $1.25 million policy for bodily injury and property damage. They also provide $50,000 personal injury protection per injured person, uninsured and underinsured coverage of $1.25 million, and contingent collision and comprehensive insurance up to the cash value or cost of repair.

What Uber and Lyft Passengers Need to Know

If you’re an Uber or Lyft passenger who was injured in a car crash, there are insurance policies in place in most situations. With $1.25 million in liability coverage, it seems like there wouldn’t be any issues. However, problems can arise.

One problem is in determining what the driver’s status was at the time of the accident. You’ll need to know whether the Uber/Lyft driver was correctly logged in to his or her account and had you listed as a rider. These facts will determine the amount of coverage you receive. If there’s any question about whether you are covered, be prepared for pushback by the ridesharing companies.

Another problem is that there may be situations where damages exceed the policy limits, especially when there are multiple passengers or parties to an accident. It doesn’t take long for $1.25 million to be spent on injuries and recovery when spread across multiple people. That amount won’t cover as much as you think if the driver was negligent or reckless. In cases like that, you and fellow riders may have to pursue remedies beyond the at-fault driver’s insurance policies.

What Drivers Need to Know If Hit by an Uber or Lyft Vehicle

Any time you’re hit, contact the police and have them prepare a report about the auto accident. If anyone’s injuries require immediate attention, contact emergency services and make sure you get the medical care you need. Take pictures of the scene and gather information about the other driver and witnesses.

If you’re a driver who is hit by a rideshare driver, you’ll want to recover proper compensation for your injuries. To do so, you’ll need to show liability and what the Uber/Lyft driver was doing at the time of the accident. What they were doing will determine how much insurance coverage is available. Uber and Lyft may to try to lowball an amount for your recovery. Don’t fall for it. Speak with a rideshare accident lawyer about your rights and how much compensation you should receive.

As part of the process, your lawyer will need to work with the insurance companies and the rideshare companies to determine what coverages apply. Uber, Lyft, and other ridesharing services won’t want to pay out, especially if there’s a question about the status of their driver. Perhaps the driver’s phone failed and no one can tell whether the Uber/Lyft driver was officially engaged in business. The ridesharing service may try to say that the driver wasn’t working for them at the time of the accident and the driver’s own insurance should cover the accident. There may be a long battle between the driver and the ridesharing insurers.

If you’ve been hit by an Uber/Lyft driver, you should know that too often these cases become a game of denial. The driver may deny fault, or he or she may not have sufficient insurance to cover your injuries. Uber and Lyft may not want to pay if it threatens their bottom line. An experienced auto accident lawyer can help you cut through the paperwork and aggressively pursue the compensation that you deserve.

Our Accident Attorneys Fight for Victims of Rideshare Accidents

At The Law Office of Cohen & Jaffe, our Long Island injury lawyers have represented victims in all types of car accident cases. Whether it’s Uber, Lyft, or another ridesharing service, we know how these companies operate, and we will fight for the compensation you need. If you or your loved one has been injured by an Uber or Lyft driver, we’re here to help.

Building a successful car accident claim can be difficult, so it’s essential to get every step right from the beginning. Our experienced New York personal injury lawyers will take the burden off you by handling every aspect of your claim. If you’ve been injured, focus on your recovery and let us handle the rest. Contact us today for a free consultation.

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