Lyft is a rideshare company whose popularity is growing in Ohio. Ridesharing is becoming a leading form of transportation in Cincinnati, and the number of Lyft drivers has increased. Customers enjoy the ease and convenience of booking a ride on the Lyft app. As the number of Lyft drivers in Ohio increases, so does the possibility of being in a car accident involving a Lyft driver. Lyft drivers themselves often suffer injuries in car accidents. If you have been injured in a Lyft accident, you should consult an experienced ridesharing accident attorney.
At Jones Kahan Law, LLC, our personal injury attorneys can help you understand your options for seeking compensation for your injuries after a Lyft accident. Under Ohio law, passengers or third-parties who suffer injuries caused by a Lyft driver’s negligence may be entitled to compensation. Lyft drivers who receive injuries while on the job might also be entitled to compensation when another driver’s negligence caused the accident. If you’ve suffered an injury in a Lyft accident, we can help.
Seeking Compensation for a Lyft Accident
Lyft’s substantial insurance policy usually covers passengers involved in an accident. The following individuals may be entitled to compensation for injuries suffered during a Lyft car accident:
- A passenger who sustained an injury while riding in a Lyft vehicle
- The driver of a Lyft vehicle
- A third-party driver, pedestrian, or bicyclist who sustained an injury in a Lyft accident
Lyft carries $1 million in total liability insurance for motor vehicle accidents involving their drivers. Lyft also requires all drivers to carry their insurance policies while working for Lyft. Passengers who suffer injuries may be entitled to compensation via Lyft’s insurance policy. Lyft drivers are not employees of the company; rather, they work as independent contractors. For Lyft’s insurance policy to cover an accident, the driver must be transporting a passenger with the Lyft app turned on when the accident occurs.
Lyft’s Insurance Coverage When the Driver is Available with No Passenger
When the driver mode is turned off, the Lyft driver’s insurance policy will cover any accidents that take place. However, when the Lyft app is in driver mode, and an accident occurs before the driver has received a ride request, Lyft’s insurance company will pay out for accidents when the driver’s insurance does not adequately cover the damages.
Lyft’s liability insurance provides the following coverage with no deductible:
- $50,000 maximum limit per person
- $100,000 maximum limit per accident
- $25,00 maximum limit for property damage
Lyft Insurance Coverage from Ride Acceptance to a Ride Ending
Lyft provides drivers and passengers with a $1,000,000 accident coverage policy. This liability insurance policy acts as primary coverage from the time the driver receives a ride request until the time the ride has ended per the app. When the Lyft driver has a personal car insurance policy, Lyft’s insurance coverage will cover bodily injuries and property damage that occurred during the accident.
What Happens When a Lyft Driver Collides with an Uninsured Motorist?
Lyft also provides its drivers with uninsured or underinsured motorist insurance protection. When an accident occurs while a Lyft driver is transporting a passenger, Lyft provides uninsured and underinsured motorist insurance that covers bodily injuries of the Lyft drivers or passengers. Injured passengers are not required to pay a deductible for this coverage.
Who Pays for Damages After a Lyft Car Accident?
Our ridesharing attorney can help you determine who is responsible for paying the damages. The first step in the process is to determine who is at fault for the accident. Our attorneys investigate every accident to gather evidence and determine who is at fault. Once we have dione so, we develop a strategy for seeking compensation for our clients’ injuries from the appropriate insurance company. In some cases, it is necessary to bring a personal injury lawsuit against the at-fault driver for damages caused by accident.
Steps to Take After A Lyft Accident
When a Lyft accident happens, call 911 if you suspect that you, another passenger, or the driver has suffered an injury. Next, call the police and answer the police officer’s questions to the best of your knowledge. Ask the officer for the report number so you can secure a copy of the police report. The police report will be essential to submitting an insurance claim or filing a personal injury lawsuit, if necessary. If you are able to do so safely, take pictures of the accident scene, any injuries you may have, and any damage to the vehicle. Do not admit fault or dismiss fault when speaking to the police or insurance agency. Consulting an attorney before speaking with anyone at the insurer is advisable.
Contact Our Cincinnati Lyft Accident Attorney
If you or a loved one have suffered an injury in a Cincinnati Lyft accident, Jones Kahan Law, LLC can help. Whether you were a Lyft passenger, a Lyft driver or the occupant of another vehicle during a car accident, we can help you seek compensation for your injuries. Having an experienced attorney on your side is advantageous when determining fault and negotiating insurance payments. Our attorneys have an in-depth knowledge of Ohio’s ride-sharing laws. We help our clients maximize any available insurance payments so they can focus on their recovery. Contact our law firm today to schedule your free initial consultation.