If you are injured in a car accident caused by a Lyft or Uber driver in Henderson, you are entitled to be compensated for your medical bills, lost wages, and pain and suffering. This is true if you were injured as a passenger in the Lyft or Uber vehicle or an occupant of another car. However, obtaining compensation from Lyft or Uber can be complicated, and their liability will depend on what the driver was doing at the time of your crash.
Uber and Lyft Insurance Coverage in Accidents Caused by Their Drivers
Both Uber and Lyft have liability policies to cover injured victims if their drivers cause an accident. Here’s how their coverages work:
Driver picking up or carrying passengers.
If a Lyft or Uber has a passenger in the vehicle or is driving to pick up a customer and causes an accident, their insurance coverage is $1 million per accident for property damage and personal injury. There is also $1 million for bodily injuries per collision if an uninsured or underinsured motorist causes the crash.
Driver waiting for a match.
If the driver has no passenger in his vehicle but is logged into the app and is waiting to be matched with someone, Uber’s and Lyft’s liability coverage is more limited. Their policies will only cover $50,000 per person for bodily injuries with a maximum of $100,000 in coverage and $25,000 in property damage per accident.
Driver not logged into app.
When the driver does not have a passenger and does not have his app on, an Uber and Lyft insurance policy would not provide any coverage. Injured victims would need to file a claim with the driver’s personal auto insurance company.
Have You Been Injured In A Henderson or Las Vegas Area Car Accident?
If you’ve been injured in a car accident you need to speak with an experienced car accident lawyer as soon as possible. Contact us online or call our Henderson office directly at 702.405.6000 to schedule your free consultation.