Top 7 Myths About Ride Sharing Accident Claims
Ridesharing has become the newest norm in town, with everyone trying to go green and minimize pollution. Uber and Lyft are some of the most common ridesharing options that we have today. But what happens when you get into an accident as a passenger using their services. The majority of people know that an accident claim has to be filed. In this case, whose insurance policy will be used and why? These are just some of the questions and myths we will handle today.
The Laws Covering an Injured Person
In the United States, each state has its own unique set of laws regarding accident covers. Even so, the details of your case would make predicting its outcome somewhat tricky. The laws about car accident suits are ever-changing, mainly because companies like Uber and Lyft insist on their drivers being independent contractors. Understanding which party is liable for the accident claim is dependent on these three factors:
- The driver’s relationship with the ridesharing company
- The amount of insurance applicable to you by the at-fault driver’s policy
- If the rideshare company and insurance provider are liable for their driver’s negligence.
You Can Negotiate on Your Own
The events after an accident are always chaotic and confusing. Legally representing yourself is an option, but you could easily tank your case by admitting to a fault or an unconfirmed act you are unsure about. The insurance agent will work hard to save their company some money by denying your compensation. Hiring a lawyer with experience and knowledge in rideshare accident injuries will help you get your entire insurance claim.
Uber Drivers are Not Covered by Company Insurance
This widely held belief arose from the blurred lines of insurance coverage, which was very real when ridesharing services first appeared on the market. This is because ridesharing companies tried to argue that they are independent contractors and not employees. Uber, Lyft, and other transportation network companies are generally liable for the damage caused by their drivers, even if they are not fully employed. As a passenger, you are covered by third-party liability insurance, which pays up to $1 million per accident for personal injuries and property damage.
The Rideshare Company is Always Liable
The amount of liability a rideshare company possesses depends on the circumstances of the accident and your state laws. Generally speaking, a rideshare company is only liable if the driver carried a passenger when the accident occurred. Otherwise, the damages are covered by the driver’s own insurer.
You Will Get a Fair Compensation
Insurance companies profit by holding onto claims for as long as possible. Hiring a professional ensures that you are not under-compensated.
The Greater the Damage, The Higher the Settlement
A lawyer cannot guarantee that you will get the total million-dollar compensation. The unique details of your case are the only determinant.
Making a Claim is an Unnecessary Effort
The media and insurance providers have a way of guilt-tripping victims into thinking that they do not deserve compensation. If you have sustained injuries or damage, you deserve compensation to cover those bills.
Conclusion
It is essential to note that the earlier you contact a professional and file your claim, the better the chances of you getting compensation.