Woman getting into a ridesharing vehicle.

Who Is Liable for my Ride-share Accident?

Over the past decade, ride-sharing companies such as Uber and Lyft have become some of the most successful start-ups in history. Used by millions worldwide, these companies provide a convenient means of transportation for all kinds of people and all occasions – especially among those in larger metropolitan areas where having one’s own vehicle becomes more difficult. But while there are many benefits to ordering a ride-sharing vehicle, what happens when you are involved in an auto accident?

Whether you were riding as a passenger during an accident or crossing the street and hit by a ride-sharing vehicle, questions come to light pertaining to who is liable, whose insurance is applicable, and how you will be compensated for any injuries that you incur. In order to understand liability, you must first understand ridesharing law and how insurance with such companies works. 

As with any other driver on the road, in order for an individual to become a driver for Uber or Lyft, he or she must carry their own insurance policy. However, this does not mean that the driver’s personal coverage applies in the event of an accident. In fact, this is usually not the case. 

Since Uber and Lyft consider themselves to be independent contractors, they could deny blame for accidents caused by drivers driving under their company umbrella. But while these companies often attempt to do so, they are not often successful. Usually, these companies are going to be held responsible for damages that occur when their driver is at fault. 

Uber and Lyft carry their own corporate liability policies, which help to cover medical bills, lost wages, pain and suffering, etc. 

Fighting Back

Since multi-million dollar companies like Uber and Lyft have what it takes to defend themselves, it is extremely important that you hire an attorney who has experience going up against these larger companies successfully. 

The Policies

Uber’s Insurance Policy 

Uber’s insurance policy specifically states what coverage applies and when.  Drivers who are on the app but have not yet been paired with a rider are covered with up to: 

  • $50,000 per person;
  • $100,000 personal injury coverage per accident; and
  • $25,000 property damage coverage per accident

In other words, even when an Uber driver doesn’t have a passenger in the car, the company’s policy may still come into play. 

When a driver picks up a rider before being involved in an accident, the policy provides at least 1 million worth of coverage per accident.

Lyft’s Insurance Policy 

Under Lyft’s policy, if a Lyft driver is online, but has yet to accept a ride, the driver’s personal insurance policy must first apply.  It is only when this policy is insufficient to cover damages and injuries, that Lyft’s corporate policy takes effect.

When a Lyft driver has accepted a ride and is on their way to pick someone up or they have a passenger in the car, Lyft’s corporate policy of $1 million in liability coverage will take effect.

The Attorneys at Jones Kahan Law, LLC Can Help Those in Ohio Who Have Been Injured in a Ride-sharing Accident

If you or a loved one has been injured in a ride-sharing accident, it can greatly impact many parts of your life. The physical, emotional, and financial toll can be overwhelming. That’s why it is so important to consult with a knowledgeable and experienced Auto Accident Attorney. 

At Jones Kahan Law, LLC, our Cincinnati Personal Injury attorneys have a long history of dealing with auto and ride-sharing accidents and have helped our clients to recover the compensation that they deserve. We will fight for what is in your best interest. We don’t charge you any attorneys’ fees until we win your case. To learn more or to schedule a free consultation, contact us today!