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An Uber or Lyft driver is readily available whenever you need to get from one place to another. But even with the best intentions in giving you a safe ride, a car accident can happen, and you can get hurt.
In Connecticut, car accidents happen all the time. But when you are a passenger in a rideshare — or someone hit by a rideshare driver while operating your own vehicle — knowing how to file and handle a settlement claim might be more challenging than you initially thought.
Ridesharing companies are enormous and have the resources to hire aggressive attorney. They aim to ensure that they deflect as much responsibility as possible onto anyone else, including you.
Don’t let large rideshare companies and their ruthless lawyers pressure you too little to nothing for your losses. Contact Bert McDowell Injury Law today to schedule your initial consultation.
At Bert McDowell Injury Law, we will gladly sit with you to discuss your losses and help you know your options to recover compensation. Schedule a free case review today when you call (203) 590-9169, or submit an online form when you visit us online.
Rideshare crashes happen when one least expects it. All it takes for your driver to get in a wreck is a moment to look at their phone, get lost in conversation, or commit some other act of negligence.
Rideshare drivers experience more distractions than your usual drivers, as they tend to engage with their passengers in conversation, use their phones to navigate to their destination, and have more noise and overall distractions while operating a car.
These distractions contribute to collisions, similar to crashes caused by negligence, like T-bone, rear end, sideswipe, and head-on collisions.
In addition to distractions, your driver may be:
With the rise of both Uber and Lyft companies, local legislation has been passed in Connecticut to ensure passenger safety.
Drivers must carry their own personal auto insurance and add rideshare coverage to their existing policies. To further protect passengers, ridesharing companies are also required to carry an additional insurance policy covering its drivers.
All these efforts are intended to protect parties if they are ever in an accident, often bridging coverage gaps between existing policies.
If you were hurt while using a rideshare, you will need to request compensation from the rideshare company providing the service platform your driver was using. The company’s insurance always applies when the driver is actively providing a ride or on their way to pick up someone.
If you were hurt by a rideshare driver while driving, walking, or biking, then the company’s insurance is still available as long as the driver was actively carrying a passenger or on their way to pick one up. If the driver was using the app but not currently engaged in a fare, you will likely need to file a claim on their policy, but the company’s coverage may also be available.
Refer to an attorney for guidance on how to file a claim and whose insurance could be most applicable to your situation.
Knowing what to do after an accident is key to ensuring you have the information needed to build a claim with a high chance of succeeding.
Firstly, you should never accept any compensation from your driver after an accident, and you must call 911 to ensure that the proper authorities arrive at the scene to produce a police report.
It is important that passengers do whatever possible to answer only the questions they are asked, as any misinformation or misinterpretation of their statements can pin the blame on them.
Passengers should then file a report to the ridesharing company. However, do not admit to any fault.
State the facts of what happened and keep it short and simple. Any admission to possible fault may be grounds for dismissal of your claim or a deduction from your total compensation amount.
Rideshare companies have the resources to protect themselves from liability.
Although you can file a claim independently, working with an attorney throughout the process is often essential to providing the proper evidence to convince large rideshare companies of their liability. In addition, your attorney can help you with accurately calculating the full costs of your damages (losses) while meeting claim filing deadlines.
Experienced attorneys also know how to handle pressuring tactics from insurers and rideshare companies when they want you to settle for less.
Requesting compensation as a ridesharing passenger depends on the severity of the crash.
Claims filed against rideshare drivers can include:
Each collision may include different losses. Speaking to your attorney to review your claim will confirm which losses apply to your case.
Ridesharing companies now require their drivers to carry their own personal insurance, apart from having separate coverage. These policies must meet these minimum types of coverage:
In addition to carrying personal auto insurance, ridesharing companies carry additional insurance policies that are meant to provide additional compensation and coverage to their drivers. The terms of these policies may differ per company:
If you are asked to accept payment after a car accident while on a rideshare, even if your injuries are minor, do not accept the payment.
Drivers may elect to offer payment to prevent a claim from being made against them or to avoid involving the ridesharing companies’ legal team. Accepting their money may cause you to lose out on your ability to claim further compensation for your losses.
If multiple parties were affected by a ridesharing car accident caused by the driver, the other affected parties would also seek compensation.
Each driver has a limited amount of liability coverage, and when it runs out, there will be no more compensation available for you to request. Victims of a ridesharing car accident must, therefore, request compensation for their losses as soon as possible.
Working with an experienced attorney in ridesharing car accidents is vital to learn what kind of compensation you can request and how to best pursue it. They can assist you with building a claim, documenting evidence of fault, calculating damages, and submitting your claim in a timely manner so as to reduce the risk of missing out on available coverage.
Filing a compensation claim typically ends in a settlement, but sometimes, both parties cannot reach an agreement. In these instances, the case will go to court to be presented before a judge.
Having a ridesharing attorney by your side is all-but essential if your case is going to court. They will be vital to providing representation and preparing your case for presentation in front of a judge or jury.
They can also help you manage the case process from start to finish, often with a sense of familiarity regarding the specific court or judge involved.
Realizing that you were in a car accident while on a rideshare is a painful and confusing situation. Claims in a rideshare are handled differently than a standard case, mostly because they involve large companies looking to pay little to nothing.
Choosing to work with a Connecticut Uber & Lyft Accident lawyer who understands and will fight for your rights as a passenger in a rideshare is key to increasing your chances of success when seeking compensation.
Ready to learn more about your options after a rideshare car accident? Reach out to Bert McDowell Injury Law today and schedule your initial consultation.
Call us today at (203) 590-9169 or online when you complete our form to schedule your free case review today.