Uber and Lyft are most certainly household names. These rideshare services are incredibly popular, particularly for those in and around the Philadelphia area. However, what happens if you or somebody you love has been involved in an accident with an Uber or Lyft vehicle? At Soloff & Zervanos, P.C., our team is ready to help. Our Philadelphia Uber and Lyft accident attorneys will be able to conduct a full investigation into your claim to secure any compensation you are entitled to.
Uber And Lyft Accident Insurance Can be Complicated
The Pennsylvania Department of Transportation reports that there were more than 128,000 total traffic accidents reported during the latest year of data available. While the DOT does not track how many of those accidents involved rideshare vehicles, we can be certain that these incidents do occur. Accidents with Uber or Lyft vehicles can affect various parties, including:
- Passengers inside the rideshare vehicles
- Drivers and passengers in other vehicles involved in a crash
- Bystanders struck by a rideshare vehicle (pedestrians, bicyclists, etc.)
Which Insurance Is Responsible For Covering an Uber or Lyft Accident?
Unfortunately, securing compensation in the aftermath of a crash with an Uber or Lyft vehicle can be complicated. While both of these companies do have insurance, the coverage depends on what the driver was doing at the time of the incident.
Private insurance of the driver
If an Uber or Lyft driver is not signed into the rideshare app to work, then they are on their personal time, and their personal insurance carrier will be responsible for covering any damages caused by a crash. In Pennsylvania, the auto insurance minimums are as follows:
- Bodily injury liability coverage: $15,000 per person, $30,000 per accident
- Property damage liability coverage: $5,000
Neither underinsured nor uninsured motorist coverage is required in Pennsylvania. Please note that many insurance carriers require drivers to carry additional personal insurance limits if they are rideshare drivers to account for additional liability.
Uber and Lyft supplemental insurance coverage
If an Uber or Lyft driver is signed into the rideshare app to work, but they do not have a passenger, then their personal insurance carrier is still going to be the primary coverage if an accident occurs. Uber and Lyft do have limited coverage in this circumstance, but it will only kick in if the driver’s personal insurance policy limits are exhausted or if the carrier denies the claim.
Specifically, both Uber and Lyft cover up to $50,000 per person and $100,000 per accident for bodily injuries and $25,000 for property damage coverage.
When a trip has been accepted or a passenger is in the rideshare vehicle
If an Uber or Lyft driver is signed into the app to work and has a passenger or is on the way to pick one up at the time a crash occurs, then both rideshare companies have a $1 million insurance policy that is supposed to kick in to cover anybody involved in the crash. Specifically, both Uber and Lyft provide a $1 million liability policy as well as a $1 million uninsured/underinsured motorist policy.
These $1 million policies protect the driver of the rideshare vehicle and any passengers in the vehicle. The policy also covers any driver or passengers in other vehicles involved in the crash or any bystanders who may be injured (pedestrians, bicyclists, etc.).
Contact Us For a Free Consultation Of Your Case
If you or somebody you love has been injured in an accident with an Uber or Lyft vehicle, you need to speak to an attorney as soon as possible. At Soloff & Zervanos, P.C., we have extensive experience handling complex personal injury cases, and we are ready to get to work on your behalf. Our goal is to secure compensation for:
- All of your medical expenses related to the crash
- Lost income if you are unable to work
- General household out-of-pocket expenses
- Loss of enjoyment of life damages
- Pain and suffering damages
- Possible punitive damages in cases of gross negligence