Companies like Lyft and Uber have revolutionized transportation services, particularly as it pertains to ridesharing. These companies have offered consumers easy access to transportation no matter the size of the city.
These types of ridesharing companies are often times a win-win for drivers, who can earn money on their own schedule, and for riders, who don’t have to worry about gas, parking, or driving from location to location. Despite the conveniences of ridesharing, however, there are complications to consider, such as what happens if you were to get into an accident as a rider.
If you are riding with Uber or Lyft and have gotten hurt during the drive, there are some important steps that you will need to take to protect yourself.
It’s important to understand that these type of accidents during ridesharing hold three different types of insurance: the insurance provided by the ridesharer’s company (such as Uber or Lyft), the driver’s private insurance, and the insurance belonging to the other vehicle in the accident. With so many different insurance companies involved, it is possible that they all may refuse to take any of the liability, and then you will be stuck with an enormous amount of bills.
If you find yourself in this situation, it is important to take the following steps:
- Make Sure Everyone is Safe.
First and foremost, if you are in an accident, you must make sure everyone is safe. It is imperative to call 911, regardless of if you are unsure the extent of anyone’s injuries involved. Sometimes injuries are not apparent externally until later, so please get a medical professional involved right away.
- Make Sure to Gather the Information.
It’s important to make sure to collect all insurance documents and other pieces of identification, such as a license and license plate information. You will also want to take photos of the accident to send in as evidence to the insurance companies. It may be helpful to make note of your Uber or Lyft driver’s information as well in case you need to reference it later.
- Speak up for Yourself.
When the police arrive, the other person or persons involved in the accident will tell them what happened. Make sure to share your side of the story, and don’t just let the other people involved do all the talking. This also includes the information coming from the driver. It’s important that you share your side of the story.
- If Possible, Find a Witness.
Witnesses are always important for getting an outside perspective in this type of the situation. If anyone has pulled over or stopped to help, be sure to have them talk to the police or ask if they would be willing to provide you with their contact information for the insurance companies to give them a call.
- Talk to Your Insurance Company.
When you go to talk to your insurance company about the accident, be sure to tell them what happened and that it is being investigated. It is important to know that the other two insurance companies will most likely also contact you for a statement, but you do not have to agree to give them a statement. Legally, you are able to investigate the accident fully to make sure you are taken care of.
- Find a Lawyer Who Specializes in Ridesharing.
Now is an important time to contact a lawyer who has both experience and knowledge in ridesharing companies and accidents. Because there are so many different people and entities involved, it’s imperative to have someone on your side.
Unfortunately, it is common to be taken advantage of in this situation, and you will need someone who is willing to make sure you are taken care of.
We have extensive knowledge in ridesharing, and would love to help.