Rideshare services like Uber and Lyft have made it easier for people to get around, especially after a night out in cities like Hutchinson or Wichita. These services offer a convenient alternative to driving yourself home after an evening of fun, but Rideshare Crash incidents can still happen. Whether you’re in the back seat as a passenger or involved in an incident as a pedestrian, understanding which insurance policies apply is crucial for knowing your rights and the next steps.
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What Happens During a Rideshare Accident? 
When you’re involved in an accident with a rideshare vehicle, several factors come into play to determine which insurance coverage applies. The primary factor is whether the driver was working at the time of the crash, meaning whether they were actively logged into the rideshare app and either picking up a passenger or in transit. Rideshare companies like Uber and Lyft provide different levels of coverage depending on whether their drivers are using the app or not.
Understanding these distinctions can make a significant difference in how your claim is handled and how much compensation you’re entitled to. In general, there are four main scenarios that affect insurance coverage: when the driver is offline, online but waiting for a passenger, en route to pick up a passenger, and actively transporting a passenger.
When the Driver is Offline
If the driver is offline and not logged into the rideshare app, the driver’s personal insurance policy is the primary coverage that applies. In this situation, if the driver causes an accident, their own car insurance will cover any damages or injuries resulting from the crash. The rideshare company’s insurance is not applicable in this case. The issue with personal insurance is that it may not provide adequate coverage if the accident occurs while the driver is using their vehicle for commercial purposes, such as picking up passengers. If you’re injured in an accident under these circumstances, the driver’s personal insurance may not offer sufficient compensation, and you may need to file a claim through your own insurance company, depending on the circumstances.
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When the Driver is Online But Not on a Ride
When the driver is logged into the app but not yet en route to pick up a passenger, the rideshare company provides some limited coverage. In this scenario, if the driver gets into an accident, the rideshare company’s liability insurance will apply, but it may be limited. Uber and Lyft typically provide $50,000 in bodily injury liability coverage for a single person and $100,000 for all people involved in the accident. However, this coverage applies only when the driver has accepted a ride request and is actively en route to pick up a passenger. If the driver causes an accident while waiting for a ride request, you may be left with gaps in coverage, especially if the damages exceed the limits of the driver’s personal insurance or the rideshare insurance.
When the Driver is En Route to Pick Up a Passenger
The level of coverage increases when the driver is en route to pick up a passenger. In this case, Uber and Lyft provide liability insurance that covers both property damage and bodily injury up to $1 million, in addition to the driver’s personal insurance. If the driver is at fault for an accident while on their way to pick up a passenger, the full extent of the rideshare company’s insurance is available to cover any damages. This coverage protects all parties involved in the accident, including pedestrians, other drivers, and passengers.
When the Driver is Transporting a Passenger
When the driver has picked up a passenger and is actively transporting them, the rideshare company’s insurance offers the most comprehensive coverage. Uber and Lyft both provide $1 million in liability insurance for any accidents that happen during this stage. This includes coverage for injuries sustained by the driver, passengers, and anyone else involved in the accident, including pedestrians and other drivers. The rideshare company’s insurance also covers damage to the driver’s vehicle, and passengers can file claims under this coverage as well if they are injured in an accident.
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What Should You Do After a Rideshare Accident?
If you’re involved in a rideshare accident in Hutchinson or Wichita, it’s important to act quickly and efficiently to ensure that you are properly compensated for any injuries or damages. Here are the essential steps you should take:
Ensure Safety and Seek Medical Help
The first thing to do after a rideshare accident is to make sure everyone is safe. If anyone is injured, call emergency services immediately. Get medical attention for yourself and anyone else involved in the accident, even if injuries seem minor at first. Some injuries may not appear right away but can worsen over time, so it’s crucial to seek medical care immediately.
Gather Information from All Parties Involved
Next, gather as much information as possible from all parties involved in the accident. This includes taking note of the rideshare driver’s name, license plate number, and the rideshare app’s information (Uber or Lyft). If there are any other vehicles involved, get the driver’s insurance information, as well as the names and contact details of any witnesses.
Contact the Authorities and File a Report
In Kansas, all accidents must be reported to law enforcement. Make sure the police are called to the scene of the accident and that a report is filed. This report is crucial for your claim and helps clarify the circumstances of the accident.
Contact Your Insurance Provider
Even if you weren’t the one driving, your personal insurance may still be involved. If the rideshare company’s insurance doesn’t cover all of your medical bills or damages, your own insurance may help fill the gaps. Contact your insurance company as soon as possible to inform them of the accident and start the claims process.
Consult with a Personal Injury Attorney
Navigating insurance claims, especially when rideshare companies are involved, can be complex. It’s important to speak with an experienced personal injury attorney who can guide you through the process and ensure that you receive the compensation you deserve. A lawyer can help you understand the nuances of your case, negotiate with insurance companies, and fight for your rights.
How a Personal Injury Attorney Can Help You
A personal injury attorney is essential for helping you navigate the complexities of insurance claims in rideshare accidents. They can assist in gathering evidence, such as witness statements and medical records, to support your claim. They can also help you identify all sources of insurance coverage and maximize your compensation. If the case goes to court, your attorney will represent you in front of a judge and jury, ensuring that your best interests are protected.
Rideshare accidents are a common occurrence in Hutchinson and Wichita, especially after a night out, but knowing which insurance applies can make the process much smoother. Whether you’re a passenger or involved in a crash as a pedestrian or driver, understanding how rideshare insurance works will help you navigate your claim effectively. If you’re unsure which insurance applies to your situation, consulting with a personal injury attorney is the best step to take. They can guide you through the process and ensure that you receive the compensation you deserve.
For assistance with your rideshare accident claim, contact Melinda Young Law. We’re here to help you through this challenging time and provide you with the legal support you need.