Ride-Share Accidents and Insurance: What You Need to Know

Car Accident Lawyer Atlanta, GA

Ridesharing in the United States is a quickly-growing market that allows consumers the convenience of a taxi, be it private or with fellow customers, at a more convenient price. It’s a popular service, and according to Statista, a statistics aggregator, about 53% of people in the United States have used at least one ridesharing app. However, according a recent Forbes article, ridesharing might be making the roads more dangerous. With this information in mind, look at how insurance works in rideshare accidents and what victims should know.

Off Assignment

Drivers who are “off duty” and not working for rideshare but are involved in an accident while driving, are not covered by rideshare insurance policy. That means that their own insurance policy will be responsible for covering any claims that result if the driver was at-fault in the accident. Injured victims will therefore not be able to request compensation from the driver’s rideshare company.

Between Assignments

Rideshare drivers often find themselves in trouble on multiple levels when they are in an accident while between active rideshare assignments. The larger rideshare companies offer drivers a certain level of coverage, however, it typically does not include liability for the driver unless they are en route to pick up a rider or have a rider in their vehicle.

This means that if a rideshare driver is declared at-fault in an accident before they are actively matched to a client, their own injuries are probably not covered by rideshare insurance policy. They will be responsible for paying for their own bills unless they have a personal policy that picks up what their rideshare-specific coverage leaves behind. The same goes for collision, comprehensive, and uninsured motorist insurance – with limited exceptions, the driver will find themselves relying on their personal insurance policy to cover damages they caused to themselves, their own property, and third parties.

On Assignment

While actively on assignment with a passenger in the car, drivers typically have the benefit of comprehensive coverage provided by their rideshare company. This does not mean that drivers or their passengers will necessarily be covered in the event of an accident. Unfortunately, rideshare insurance doesn’t automatically pay for damages or medical bills. Uber’s insurance, in particular, is notorious for fighting payouts and denying claims. This leaves victims as well as drivers scrambling for compensation if they are injured in a rideshare accident.

It should also be noted that a driver’s personal policy might also refuse to cover accidents that happen while they are driving for a rideshare company because they are driving for profit and providing a service. Even if drivers carry comprehensive personal coverage, victims and drivers could end up with no coverage if both Uber and a driver’s personal insurance refuse to cover the injuries and damages resulting from the accident. The only exception to this is commercial car insurance coverage, which typically kicks in when these situations occur.

If you’ve been injured in a rideshare accident, whether it be as a passenger or a driver, you need an experienced car accident lawyer Atlanta, GA relies on at Butler Law Firm on your side to ensure you receive the compensation you deserve.