The rideshare system allows a convenient way to get around town. Those who need a ride can simply pull up an Uber, Lyft or other rideshare app and request a ride. Once they confirm the driver arrives, they can make it to their destination with minimal hassle — unless there is an accident.
An accident involving a rideshare vehicle can result in a legal quagmire. One of the issues the rider must navigate involves the fact that these accidents often involve multiple insurance companies.
Potential parties can include:
- Rideshare company. Depending on the rideshare company in question, coverage may be available through the rideshare itself. However, each rideshare company has specific requirements that dictate when the policy offers coverage. If a driver fails to follow the protocol, coverage may not apply. If, for example, the driver is in an accident and for some reason the app was not on at the time of the accident, the rideshare company’s policy will not provide coverage.
- Rideshare driver’s personal coverage. Some insurance companies may offer coverage for the driver while the driver operates the vehicle for the rideshare, others may not. The language of the driver’s personal policy will determine whether coverage applies.
- Other drivers. If the accident involved other vehicles, the insurance for the other driver may also apply. Insurance policies from the driver and any other driver that was involved in the accident could also apply.
- Your own coverage. If the rideshare company or driver’s policy do not cover the incident, or if their coverage is insufficient, your own insurance coverage may be at issue.
This can lead to a long and difficult battle to get coverage for the past and future expenses and damages that result from the accident. An attorney experienced in navigating these issues can help to better ensure your legal rights and remedies are protected.