Torrance Ridesharing Accident Lawyer
Gone are the days when the automobile was considered essential to the LA lifestyle. Thanks to ridesharing services such as Uber or Lyft, many drivers have traded in their personal wheels for on-demand transportation and all of them have a right to reach their destinations safely.
But what happens when a ridesharing vehicle is involved in an accident? If a rider is injured, who’s liable? Are the ride-sharing companies insured against accidents or are the drivers always held responsible?
Whether you’re a ridesharing customer or driver, you need to know the answers to these questions. Only an attorney knowledgeable about ridesharing insurance coverage can help you and if you're looking for top ridesharing accident attorneys Torrance, we can be sure to help!
How Torrance Ridesharing Accident Attorneys Can Help
From an insurance standpoint, being involved in a ridesharing accident as a passenger or driver is complicated. Both Uber and Lyft have skilled attorneys protecting their interests. Their job is to settle ridesharing accident claims as inexpensively as possible.
To protect your own interests, you need Torrance ridesharing accident attorneys with a real grasp of how ridesharing insurance works. The amount that ridesharing companies' insurers are willing to pay depends on a whole host of factors.
Ridesharing Passengers and Accidents
As a ridesharing passenger, your path to collecting damages is a relatively straightforward one. Why?
Because Uber and Lyft both cover their passengers with up to $1 million in underinsured or uninsured motorist coverage. That means that no matter who was responsible for the accident, riders are eligible for no more than $1 million in total damages per accident.
This includes accidents occurring not only in Torrance or Los Angeles, but everywhere in California. It's critical that you document your damages with plenty of evidence gathered as soon as possible.
Ridesharing Drivers and Accidents
But what if you were driving a ridesharing vehicle involved in an accident? Then Uber or Lyft's liability depends on whether you were at fault and what "phase" of a job you were in at the time.
If you’re at fault for an accident that happened before you opened your ridesharing app, the ridesharing service isn't liable--your automotive insurance carrier is.
Phase 1: App On and Waiting for a Rider
If you’re at fault for an accident while your app is open but before you schedule a rider, Uber and Lyft's liability covers:
$50,000 per person (the maximum one person can receive) $100,000 per accident for bodily injuries (no matter how many people were hurt) $25,000 per accident for property damage (no matter how much the actual damages were). None of this coverage, however, applies to your injuries or the damage to your vehicle. Your personal insurance is liable for both.
But what if you weren’t at fault? Even then, you could be on the hook if the other driver doesn’t have sufficient insurance to cover your damages. That’s why all rideshare drivers are smart to have rideshare insurance policies including collision and underinsured or uninsured motorist coverage.
Phases 2 and 3: Driving to Pick Up a Rider and Driving with a Rider
If you’re at fault for an accident during these phases, Uber and Lyft’s liability covers up to $1 million in third-party damages to:
- Your riders
- People in other vehicles
The $1 million figure is the maximum they’ll pay to cover all bodily injuries and property damage from the same accident, no matter how many third parties are involved.
If you have your own ridesharing coverage, Uber of Lyft will supplement the difference between its limits and the actual damages.
Phase 2 and 3 Accidents when Another Driver is at Fault
When an another driver is at fault for your Phase 2 or 3 accident, Uber and Lyft provide you and your riders with liability, underinsured and uninsured coverage of no more than $1 million. This applies even if the other driver flees the scene and can’t be found.
If your personal automotive insurance includes collision coverage, the ridesharing companies also cover Phase 2 and 3 damage to your vehicle. Even if you were at fault, they pay up to the actual cash value of your vehicle less a $1,000 deductible for Uber and $2,500 deductible for Lyft.
When You’re Hit by a Ridesharing Vehicle
If you're hit and injured by a ridesharing vehicle while driving or as a pedestrian:
Call 911 immediately for medical help. Get copies of your treatment records and related bills. Our ridesharing accident lawyers Torrance will use them to document your claims.
File a police report. The police will then investigate the accident, speak to the witnesses and identify who's responsible.
Get the ridesharing driver's contact, driver's license, ridesharing and personal insurance information.
By taking these actions, you'll help your ridesharing accident attorneys Torrance build the strongest possible case for compensation. The damages you’re entitled to, however, will depend on what job phase the driver was in when the accident happened.
If the other driver wasn't logged into the ridesharing app, for instance, Uber or Lyft wouldn’t be liable for any of your damages. In that case, liability would rest with the driver's personal insurance carrier.
You've already been injured by a ridesharing driver. Do you really want the hassle of dealing with an insurance company to get the damages you deserve? Instead, turn the job over to our ridesharing accident lawyers Torrance.
Our understanding of the nuances of California's ridesharing liability law gives us the support that you need on your side. Our only goal is to be to be sure you’re fairly compensated no matter how many insurance companies are on the opposing one!