Accident claims involving Uber and Lyft are a little more complicated than regular car accidents, so you may want to consider hiring a personal injury lawyer with experience handling rideshare accidents.
1. Fault Determination
First, if you were a passenger in an Uber or Lyft that was injured in a car accident, and assuming there was more than just one car involved in the collision, you will have to determine who to file a claim against – your rideshare driver or the driver of the other vehicle. This requires you to make a fault determination. Keep in mind, that if you get it wrong, it may be too late to recover from the true at-fault driver.
2. Getting the Correct Insurance Information
Second, most insurance policies don’t cover damages while the driver is transporting passengers for Uber or Lyft. Luckily, Uber and Lyft provide their rideshare drivers with insurance to cover damages while they are rideshare driving. This is important to know because if a Lyft or Uber driver provides you with their regular (non-rideshare) insurance information, that insurance company will most likely deny your claim. And, if you are making this claim near the statute of limitations (legal deadline to file a lawsuit), the delay caused in trying to find the correct insurance carrier may even bar your claim forever.
3. Are You Entitled to Further Compensation?
Third, there may be more wrongs committed for which you may receive compensation than just the negligence of your driver. For example, if Uber or Lyft knew or should have known that their rideshare driver was unfit to be driving passengers around, then you might be entitled to collect for damages against the rideshare company also. This is especially important if your damages are large as the policy maximum of the driver may not be enough to fully compensate you.