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Uber and Lyft Car Accidents

The growth of ridesharing and car sharing companies like Uber and Lyft has exploded as more and more people have come to rely on these services. Whether a group needs a ride home after a celebration; you or your spouse needs a ride to the airport; or your non-driving parent needs to get to an important doctor’s appointment, Uber and Lyft can get the job done with minimal disruption to your day.

Unfortunately, drivers for these ridesharing companies are not magically protected from car accidents. When accidents occur and customers are injured, determining who is liable for the injuries can be complicated. Dealing with several different insurance companies can become overwhelming. Claiming any compensation you deserve for your injuries can take a long time as insurance companies battle among themselves.

The experienced legal team at Eichen Crutchlow Zaslow, LLP is dedicated to claiming the maximum amount of compensation available for our clients injured in an Uber or Lyft car accident. We understand New Jersey laws and are able to stand up to large insurance companies that fight to deny liability.

Uber and Lyft Liability Insurance Coverage

When an accident involving an Uber or Lyft driver happens, injured victims soon discover that there are a number of insurance companies involved. The combination of personal insurance, the Uber or Lyft driver’s insurance, and the ridesharing company’s insurance carriers can make settling a claim seem like a major challenge.

Uber and Lyft driver liability coverage is three-fold. There are conditions of the coverage that largely depend on what stage of work the driver was in at the time of the accident.

  • Off-Duty. If the driver gets into a car accident at a time when they were off duty or unavailable, the driver’s personal insurance company would be liable for injuries and damages.
  • In Service, No Passengers. If the driver was in service but had not yet picked up a client, the ridesharing company’s contingent insurance would kick in. Both Uber and Lyft haveliability coverage for any accident that is the fault of the driver. This includes $100,000 total injury liability per accident, $25,000 property damage liability, and up to $50,000 per person injured in an accident.

Victims injured in the crash will have to contact the ridesharing company’s insurance carrier to determine if contingent insurance benefits are available to cover the injuries or property damage that is not covered by their own insurance company.

  • In Service with Passengers. When an accident happens with an active passenger in the vehicle, both the driver and the passenger will be covered by the Uber or Lyft company’s liability coverage. Both ridesharing companies provide one million dollars in liability coverage, plus an additional million dollars in underinsured or uninsured coverage. These policies enable the ridesharing company to cover most injuries and damages, even if the individual driver has little or no personal insurance coverage.

Potential Claims Resistance

Those that try to claim compensation seldom expect to come up against strong resistance. In a large number of cases, each insurance company tries to shift the liability to another insurance carrier. Insurance adjusters and investigators will often try to find a way to place liability on the Uber or Lyft driver, or put pressure on the victim’s personal insurance carrier to pay for damages and injuries.

What to do When You are Involved in a Ridesharing Accident

A car accident, especially one that results in serious injury, often leaves victims in a state of shock. The sudden impact of the accident, the element of surprise, the anxiety and stress, and the pain that can accompany a crash can overwhelm those involved. Many people do not think to contact their personal insurance carrier, while some think the ridesharing company will automatically be liable for damages and injuries.

Negotiations between insurance companies can be brutal, and those outside of the insurance industry can become overwhelmed with the claims process. An experienced and knowledgeable car accident lawyer can help injured victims navigate through the claims process and ensure that their legal rights are protected. A competent lawyer can also make sure that their client receives the maximum amount of compensation from each party involved in the accident.

New Jersey Car Accident Lawyers at Eichen Crutchlow Zaslow, LLP Advocate for Victims Injured in Uber and Lyft Car Accidents

If you or someone you know has been injured in a rideshare car accident involving an Uber or Lyft driver, call the New Jersey car accident lawyers at Eichen Crutchlow Zaslow, LLP at 732-777-0100, or contact us online to schedule a consultation today. Our experienced legal team is committed to helping our clients claim the maximum amount of compensation available. Our offices are conveniently located in Toms River, Edison, and Red Bank, and serve clients throughout the state of New Jersey.