Being injured in any kind of car accident puts you in a difficult position, but finding your way forward after a rideshare accident can be even more challenging. One of the most complicated factors is deciphering which insurance policy (or policies) is responsible for covering your losses. Better understanding how insurance coverage works in rideshare accidents can help you move forward with greater confidence. If you’ve been injured by a rideshare driver’s negligence, the most important step you can take – after seeking the medical attention that you need – is consulting with an experienced rideshare accident attorney in Chicago.
Rideshare accidents are unique in the sense that the insurance policy that covers your claim will depend upon where the rideshare driver is in the rideshare process, which determines the kind of coverage the rideshare company is responsible for. In specific situations, rideshare companies like Uber and Lyft offer robust insurance coverage for rideshare accidents. In other instances, the at-fault driver’s own car insurance policy is in play – and sometimes, both policies share responsibility.
When the at-fault rideshare driver is on the rideshare app and has a rideshare passenger on board, your claim is covered by the rideshare company’s policy, and you can expect the coverage to be comprehensive. The same is true when the rideshare driver is on the app and on the way to pick up a rideshare passenger. In both these instances, you will file your accident claim with the rideshare company’s insurer.
Most rideshare drivers spend some time waiting for passengers to be assigned. If you are injured in a rideshare accident at this point in the rideshare process, the rideshare company’s insurance policy will be responsible for covering those aspects of your claim that are not covered by the driver’s personal policy. It is important to note here that rideshare drivers are required to carry specific amounts and kinds of coverage for accidents like these.
Once the rideshare driver closes out the rideshare app – even if it’s only for a moment or even if he or she is only heading over to another rideshare app – his or her own policy is responsible for covering any ensuing accidents caused by the driver’s negligence.
If you’ve been injured by a rideshare driver’s negligence, the most important steps you can take include:
The savvy rideshare accident attorneys at Saks, Robinson & Rittenberg, Ltd. – proudly serving Chicago – have reserves of experience helping clients like you navigate complicated rideshare claims toward favorable resolutions. Learn more by contacting us today.