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What if I Was Injured Driving for Uber or Lyft?

The Monmouth County Uber and Lyft Car Accident Lawyers at Lombardi & Lombardi, P.A. Defend the Rights of Rideshare Drivers

Rideshare platforms like Uber and Lyft have created new opportunities for flexible work, but they also come with unique risks, especially for drivers. Car accidents are a significant concern for rideshare drivers, who spend extended hours on the road. If you are injured in a rideshare accident while driving for Uber or Lyft, understanding your rights and the steps to take can make a significant difference in your recovery process.

What Should I Do Immediately After an Accident as a Rideshare Driver?

If you are injured in an accident while driving for Uber or Lyft, your immediate actions can impact your health, legal rights, and potential claims. First, ensure everyone at the scene is safe and call for emergency medical assistance if necessary. Notify the police and request an accident report, as this document will be critical for any insurance claims or legal proceedings.

Make sure to document the accident thoroughly. Take photos of the vehicles involved, any visible injuries, and the surrounding area. Collect contact information from the other driver, passengers, and any witnesses. It is also crucial to report the accident to Uber or Lyft through their driver app, as this initiates their claims process.

Seeking medical attention as soon as possible is essential, even if your injuries seem minor. Some conditions, such as whiplash or internal injuries, may not become apparent until later. A prompt medical evaluation establishes a record of your injuries and their connection to the accident.

Who Covers My Medical Expenses and Damages?

Uber and Lyft provide insurance coverage for their drivers, but the extent of this coverage depends on when the accident occurred. If you were actively transporting a passenger or en route to pick one up, you are typically covered by the rideshare company’s commercial liability insurance. This includes up to $1 million in liability coverage and additional uninsured or underinsured motorist coverage.

If you were waiting for a ride request and the app was on, coverage is limited. In this case, Uber and Lyft generally provide contingent liability coverage, which only applies if your personal auto insurance denies your claim. This coverage is usually lower, with limits of $50,000 per person and $100,000 per accident for injuries.

Drivers are encouraged to enroll in Uber’s Driver Injury Protection or Lyft’s optional insurance programs, which can provide additional benefits such as medical coverage and lost income reimbursement. However, these programs are optional and not automatically included.

Can I File a Claim Against the At-Fault Driver?

If another driver caused the accident, you may file a claim against their insurance. In New Jersey, all drivers must carry liability insurance to cover injuries and property damage they cause. If the at-fault driver’s insurance is insufficient to cover your losses, Uber and Lyft’s uninsured or underinsured motorist coverage may step in to address the shortfall.

Determining fault and pursuing a claim can be complex, especially if multiple parties are involved. Consulting a lawyer can help ensure your rights are protected and that all liable parties are held accountable.

What if My Injuries Prevent Me from Working?

Injuries sustained in a car accident can affect your ability to work and earn income, particularly if you rely on rideshare driving as your primary source of income. Uber and Lyft’s optional insurance programs may provide some compensation for lost income, but these benefits are limited.

Depending on the circumstances of your accident, you may also be entitled to additional compensation through a personal injury claim. This could include damages for medical expenses, pain and suffering, and loss of earning capacity. A legal professional can evaluate your case and advise you on the best course of action.

Do I Need a Lawyer After a Rideshare Accident?

While rideshare companies offer insurance coverage, navigating the claims process can be challenging. Insurance companies may attempt to minimize your claim, delay payment, or deny coverage altogether. Additionally, if you need to file a claim against an at-fault driver, you may face additional legal hurdles.

A lawyer familiar with rideshare accidents can guide you through the process, negotiate with insurance companies, and represent your interests in court if necessary. Having legal representation can be especially beneficial in complex cases, such as those involving severe injuries or disputes over liability.

The Monmouth County Uber and Lyft Car Accident Lawyers at Lombardi & Lombardi, P.A. Defend the Rights of Rideshare Drivers

Rideshare drivers face unique risks and challenges when injured in an accident. Understanding the available insurance coverage, your legal rights, and the claims process can help you navigate this difficult situation. For personalized guidance and assistance, the Monmouth County Uber and Lyft car accident lawyers at Lombardi & Lombardi, P.A. are here to help you protect your rights and pursue the compensation you may deserve. Call us today at 732-906-1500 or fill out our online form for a free consultation. Our offices are located in Brick, Freehold, and Edison, New Jersey, we proudly serve clients throughout the state, including Point Pleasant.

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