Ridesharing services like Uber and Lyft have transformed the way people travel. However, when accidents happen, understanding the legal aspects of these cases can be complicated. There are many myths about Uber & Lyft accident lawsuits as people over complicate rideshare accidents because they don’t quite know what to do. This creates a lot of misinformation about such cases, creating a serious issue for the business owners.
For instance, people involved in the accident may think that the Uber or Lyft driver cannot be held accountable. Similarly, they could think that the victim could be blamed for someone else’s negligence if it’s their own vehicle.
10 Myths About Uber & Lyft Accident Lawsuits That Riders Get Wrong
Many riders have misconceptions about Uber and Lyft accident lawsuits, leading to mistakes when seeking compensation. This article will break down the myths surrounding these cases and clarify the legal and insurance aspects involved.
Myth 1: Uber and Lyft Provide Full Coverage for All Accidents
Many accident victims believe that rideshare companies automatically cover all injuries sustained in a crash. While Uber and Lyft offer liability insurance, the coverage depends on the driver’s status at the time of the accident.
If a rideshare driver has accepted a ride request or has passengers in the car, the company’s insurance provides coverage. However, if the accident occurred when the driver was off duty or between rides, their personal auto insurance may apply instead.
This distinction can complicate insurance claims and impact the personal injury settlement process.
Myth 2: You Cannot Sue Uber or Lyft Directly
Some believe that injured parties cannot sue Uber or Lyft directly. While it’s true that rideshare drivers are classified as independent contractors rather than employees, there are situations where you can hold these companies accountable.
Vicarious liability might apply in cases where the company’s negligence contributed to the accident. In class action lawsuits, multiple accident victims may seek compensation from Uber or Lyft for broader negligence, such as failing to properly vet drivers.
Myth 3: The Rideshare Driver’s Auto Insurance Will Cover Your Medical Costs
Personal auto insurance policies typically exclude coverage when the driver is using their vehicle for commercial purposes. Most Lyft and Uber drivers need additional insurance coverage, such as rideshare endorsements or commercial policies.
If the driver lacks proper coverage, underinsured motorist coverage from Uber or Lyft’s policy may help cover medical expenses. Without this coverage, accident victims may need to file a personal injury claim against the driver’s negligence.
Myth 4: Insurance Companies Will Offer a Fair Settlement Automatically
Auto insurance companies often try to minimize payouts. Insurance adjusters may downplay serious injuries or argue that the victim’s injuries were pre-existing. A personal injury attorney can help challenge unfair settlement offers and fight for fair compensation.
Without legal representation, accident victims may accept lowball offers that do not fully cover their medical treatment, lost wages, and other damages. This is why we recommend having a professional rideshare attorney with you throughout the process.
The lawyers can guide you through the complicated process, ensuring you don’t face the complications others do.
Myth 5: You Should Settle Your Claim Quickly to Avoid a Lengthy Legal Battle
Many injured passengers rush to accept settlement offers, fearing a drawn-out lawsuit. However, quick settlements often do not account for future medical costs, non-economic losses, or long-term effects of traumatic brain injuries.
A rideshare personal injury lawsuit ensures that injured parties receive proper compensation. Consulting with a personal injury lawyer protects your rights and ensures you pursue compensation that reflects the full impact of your injuries.
This may include any bodily injury or mental impacts resulting from car crashes that you might experience. Similarly, the lawyers can help the victims prove the 10 crucial things in an Uber or Lyft rideshare accident.
Myth 6: You Can Handle a Rideshare Accident Claim Without a Lawyer
While it is possible to file an insurance claim independently, rideshare accidents involve multiple insurance policies, liability coverage disputes, and complex negotiations. Defense lawyers for rideshare companies and auto insurers often challenge claims aggressively.
A personal injury attorney understands how to handle liability insurance and maximize your compensation. Most law firms offer a free consultation, allowing victims to explore their legal options without upfront costs from their own pocket.
In other cases, the personal injury lawyers can also help you with getting compensation for non economic damages, depending on your situation.
Myth 7: If You Were a Passenger, You Cannot Be Held Liable
Although injured passengers are rarely at fault, insurance companies may argue contributory negligence to reduce liability. If a passenger distracts the driver or fails to wear a seatbelt, they may bear partial responsibility for their injuries.
This could impact the personal injury settlement amount. Having proper legal representation ensures that accident victims can counter such tactics and secure fair compensation.
Myth 8: Rideshare Companies Always Cover Underinsured Motorist Claims
While Uber and Lyft provide underinsured motorist coverage, it only applies in specific circumstances. If another driver causes the accident but lacks adequate liability coverage, Uber and Lyft’s insurance may help. However, disputes often arise regarding whether the coverage applies.
Injured parties must provide medical records, accident scene evidence, and proof of the other driver’s lack of insurance to support their injury claim.
Myth 9: You Only Get Compensatory Damages in a Rideshare Accident Case
Compensatory damages cover medical expenses, lost wages, and other direct costs, but in cases of extreme negligence, punitive damages may also apply.
If a Lyft or Uber driver was under the influence, speeding excessively, or engaging in reckless behavior, a court may award punitive damages to deter similar conduct.
Seeking legal representation can help injured parties prove the driver’s negligence and maximize compensation.
Myth 10: You Have Unlimited Time to File a Claim
Every state has a statute of limitations for personal injury cases. Waiting too long to file a claim can result in losing the right to seek compensation.
Consulting with a personal injury lawyer immediately after a car accident ensures that you meet all deadlines and preserve crucial evidence for your claim. However, you need to find the right rideshare lawyer quickly, so here are 15 questions to ask Uber or Lyft accident attorneys before your case.
How to Protect Your Rights After a Rideshare Accident
If you are involved in an Uber accident or any rideshare-related crash, follow these steps:
1. Document the Accident Scene:
Take photos of the accident, license plate numbers, vehicle damage, and any visible injuries.
2. Seek Medical Treatment:
Even if injuries seem minor, medical records provide essential evidence for your claim.
3. Obtain Driver Information:
Get the name, contact details, and insurance policies of all drivers involved.
4. Report the Accident:
Notify Uber, Lyft, and your auto insurer about the crash.
5. Consult a Personal Injury Attorney:
A lawyer can guide you through the insurance claims process and help you sue Uber directly if necessary.
Wrapping It Up
Ridesharing accidents can be legally complex, but understanding the truth behind these common myths empowers injured passengers to take the right steps. Whether dealing with auto insurance companies, medical payments coverage, or legal disputes, knowing your rights is essential.
If you or a loved one has suffered serious injuries in a ridesharing accident, don’t hesitate to seek legal representation at Bourassa Law Group and protect your future.
1-800-870-8910