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How to handle insurance claims involving a rideshare accident

On Behalf of | Jan 29, 2025 | Car Accidents, Vehicle Accidents |

Rideshare services like Uber and Lyft have become a popular way to get around. However, accidents can happen, and dealing with insurance claims can be confusing. Here’s a guide to help you navigate the process if you’re involved in a rideshare accident.

The first step after any accident is to check for injuries and call 911 if anyone needs medical attention. Also, move to a safe location, if possible, and turn on your hazard lights to alert other drivers. The claims process begins there on the side of the road.

Gather important information

Collect as much information as you can at the scene. This includes:

  • The names and contact details of all drivers and passengers involved.
  • Insurance information from the rideshare driver and any other drivers.
  • Details about the rideshare service (Uber, Lyft, etc.) and the ride request.
  • Photos of the accident scene, vehicle damage and any visible injuries.

This information will be crucial for filing your insurance claim.

Report the accident to the rideshare company

Notify the rideshare company about the accident as soon as possible. Most companies have a process for reporting accidents through their app or website. This step is essential because rideshare companies often have insurance policies that cover accidents involving their drivers.

Understand the insurance coverage

Rideshare accidents can involve multiple insurance policies. The coverage depends on what the driver was doing at the time of the accident:

  • App off: The driver’s personal insurance applies.
  • App on, no ride: The rideshare company provides limited liability coverage.
  • Ride in progress: The rideshare company’s full coverage applies, including liability, uninsured/underinsured motorist, and contingent collision coverage.

Knowing which coverage applies will help you understand who to file a claim with.

File your insurance claim

Contact the appropriate insurance companies to file your claims. It may include:

  • The rideshare company’s insurance.
  • The rideshare driver’s insurance.
  • Your insurance, if necessary.

Provide all the information you gathered at the scene and any additional documentation, such as medical records or repair estimates.

Determine fault and legal options

Determining fault in a rideshare accident can be complex. It may involve the rideshare driver, other drivers or even the rideshare company. If you’re unsure about fault or if the insurance companies dispute your claim, consider consulting a personal injury lawyer. They can help you navigate the legal aspects and better ensure you receive fair compensation.

Keep detailed records

Throughout the process, keep detailed records of all communications, expenses and documents related to the accident and your claim. This includes medical bills, repair costs and any correspondence with insurance companies.

Help often needed

These claims can be complex, involving multiple insurers disputing fault as well as the victim dealing with physical injuries and property damage. A car accident attorney can protect the client’s rights and ensure that negligent parties are held accountable.

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