Who’s Liable for a Rideshare Car Accident?
According to a May 2016 poll conducted by the Pew Research Center, about 15 percent of American adults have used ride-hailing apps (like Uber or Lyft). What’s more, about 26 percent of ridesharing users use the services on a monthly basis, while about 14 percent use them weekly.
The fact that more people are using rideshare/ride-hailing services poses a unique question: in the event that a ride-hailing vehicle is involved in an accident and a passenger is injured, who is liable?
Uber’s and Lyft’s Insurance Policies
If you take an Uber or Lyft and are involved in an accident and are injured, the good news is that the rideshare company will most likely pay for your injuries, regardless of fault for the accident (as a note, Kansas is a no-fault car insurance state). Uber provides insurance in the form of $1 million in liability insurance and $1 million in uninsured/underinsured motorist coverage. Lyft also provides insurance for its drivers and passengers who are injured (you can view Lyft’s insurance policy here).
What If the Other Driver Is at Fault?
In some cases, the other driver (not the driver of the rideshare vehicle that you’re in) may be at fault for the accident. While Kansas is a no-fault car insurance state, which means that you cannot file a claim with the other driver’s insurance, even if they are at fault, you may be able to file a lawsuit against the other driver if you are seriously injured. For example, if your injuries are severe enough to cause disfigurement, permanent injury, compound fracture, or permanent loss of a bodily function, you can file a claim against the at-fault driver to seek compensation for your losses.
Determining Liability and Getting the Compensation You Need after a Rideshare Car Accident
All accidents are scary, but in a rideshare accident, how you will be compensated for your injuries and with whom you should file a claim may be confusing, too. To help you navigate the insurance system, prove fault if necessary, and even file a lawsuit if you are seriously injured, you should work with an experienced Kansas car accident attorney.
We Are Here To Help
At the Wall Huntington Law Firm, we are experienced in rideshare accident claims and know how to navigate the insurance system and negotiate with insurance adjusters. To learn more, or to schedule a free consultation, call us today or contact us online now, 316-265-6000.