Today, many of us seek the convenience of ridesharing apps such as Uber or Lyft to get around. We may never consider an accident happening while using a ridesharing app, and we might not understand the insurance procedures involved when accidents do happen.
Because drivers from ridesharing apps are simply independent contractors, they do not require a separate insurance policy. Compared to a taxi or a bus, Uber or Lyft do not carry insurance that protects you when involved in an accident. So, if you do get injured in an Aurora ridesharing accident, you will not be able to use the driver’s insurance to cover your damages.
If you or a loved one was injured during a ridesharing accident in Aurora, call the Kryder Law Group at (312) 223-1700 to learn about your legal recourse options. A ridesharing accident lawyer can help you identify ways to collect compensation from an accident.
Understanding Insurance Policies With Ridesharing Accidents
Unfortunately, Uber, Lyft, and other ridesharing services are typically not liable for accidents involving their drivers. When these types of motor vehicle accidents occur, it is the driver that can typically be held liable for damages, not the ridesharing company itself.
Ridesharing services require drivers to have a minimum insurance coverage per their state’s requirements. This means that you can still file a ridesharing accident claim against the driver and pursue compensation for damages via the driver’s insurance provider. Yet, the driver’s insurance must include either a commercial insurance policy or a personal auto insurance policy to support your claim. Plus, a driver’s personal insurance coverage might not be able to cover all of your damages.
Aside from the ridesharing driver’s insurance provider, you will also likely have to communicate with the ridesharing company’s insurance and your own provider. The ridesharing company’s insurance is key because they can support you when the driver’s personal insurance does not cover your case.
For instance, Uber includes a third-party liability insurance program that includes $1,000,000 third-party liability. Lyft also offers third-party liability insurance, as their website indicates that they offer:
- $50,000 bodily injury per person
- $100,000 per accident for bodily injury
- $25,000 per accident for property damage
If you were injured in an accident while riding with ridesharing apps (such as Uber or Lyft), you may be covered by their insurance policies. In some cases, you may be riding with a ridesharing app and could experience an accident caused by another driver. When this does happen, an Aurora ridesharing accident lawyer can help you collect evidence against the at-fault driver and their own insurance provider.
Contact a Ridesharing Accident Lawyer in Aurora
When faced with injuries from a ridesharing accident in Aurora, you may consider trying to hold the ridesharing company liable for the accident. Instead, the Kryder Law Group can help you focus your attention on the ridesharing company’s liability insurance coverage to recover damages. Because drivers from companies like Uber and Lyft are independent contractors, you may not be able to seek compensation from the ridesharing company at first.
The Kryder Law Group can support your ridesharing accident case, with our team by your side each step of the way. There are many damages that a ridesharing accident lawyer with the Kryder Law Group can help you recover with financial compensation for, including:
- Medical bills
- Lost wages
- Emotional pain and suffering
We will investigate your claim and help you pursue the ridesharing company’s third-party liability insurance package. To get started today, call the Kryder Law Group at (312) 223-1700.
What to Do After an Aurora Ridesharing Accident
The first step after any motor vehicle accident should be to call 9-1-1, if possible and to seek medical attention. Once the police arrive at the scene, they will conduct an investigation. You should request a copy of the police report, as it can support your testimony later on.
If you are able to do so shortly after the accident, collect personal and insurance information from each party involved. During a ridesharing accident, this means you will need to collect all of the driver’s information while also taking pictures of their car and the entire accident scene. If there are any witnesses, be sure to connect with them so you can reach out to them later with your attorney.
Once you have received the appropriate medical attention, consider reaching out to an Aurora ridesharing accident lawyer. Your lawyer can collect all of the evidence and accident information you may have already gathered. From there, your attorney will support your case with additional evidence, legal advice, and guidance when responding to insurance providers.
The Kryder Law Group Can Help You Pursue Compensation
When faced with a ridesharing accident in Aurora, contact the Kryder Law Group to begin a free case evaluation. Our team can also help you understand the often-confusing ridesharing insurance procedures.
We can help you or a loved one recover financial compensation by either pursuing the driver’s insurance or the ridesharing company’s third-party liability insurance package. Regardless of your unique case’s course of action, the Kryder Law Group will work tirelessly for justice for any injuries or damages you experienced.
Call us today at (312) 223-1700 to learn more about your legal options. We can get started as soon as you call. We do not want to wait to help you, as you may be limited to how long you have to pursue legal action under relevant statutes of limitations.