Rideshare services like Uber and Lyft have transformed modern transportation, while taxis have long provided reliable transit, but accidents involving these vehicles can be complicated.
According to a study from the University of Chicago, the introduction of ride-hailing services is linked to a 3% increase in overall traffic fatalities annually, equating to approximately 987 additional deaths each year. Whether you’re a passenger, driver, or another motorist involved in a crash with a rideshare or taxi vehicle, knowing what steps to take can protect your health, legal rights, and financial recovery.
What to do after an Uber, Lyft, or Taxi Accident
- Check for Injuries and Seek Emergency Medical Help
Your safety is the top priority. Assess yourself and others for serious injuries. If needed, call 911 for immediate emergency medical assistance. Life-threatening conditions should be treated as soon as possible.
- Call the Police
Always report the accident to law enforcement. A police report serves as a crucial piece of evidence in any potential claims.
- Gather Information
- Obtain contact details for all involved parties, including drivers, passengers, and witnesses.
- Note the rideshare or taxi driver’s name, company, and vehicle details (make, model, license plate number).
- Take photos of the accident scene, vehicle damage, and any visible injuries.
- Report the Accident to the Rideshare (Uber or Lyft) or Taxi Company
Uber and Lyft require accident reporting through their apps. If you were in a taxi accident, report the incident to the taxi company immediately and obtain their insurance information.
- Avoid Admitting Fault
Do not discuss fault or liability at the scene. Even casual apologies can be misinterpreted as an admission of responsibility.
- Follow Up with a Medical Evaluation
Even if you don’t feel pain right away, some injuries—like whiplash or internal trauma—can take time to surface. Visit a doctor as soon as possible to ensure all injuries are properly documented, which can be crucial for any potential legal claims.
Who Is Liable in a Rideshare or Taxi Accident?
Determining liability in a rideshare or taxi accident can be complex. Multiple parties may be responsible, including:
- The Taxi or Rideshare Driver: If the driver’s negligence caused the crash, their insurance policy should cover the damages.
- The Taxi Company or Rideshare Company: Many taxi companies and rideshare services provide liability coverage for their drivers. If the driver was on duty, the company may be responsible for damages.
- Another Driver: If another motorist was at fault, their insurance should cover injuries and property damage.
Understanding Rideshare (Uber and Lyft) and Taxi Insurance Coverage
Most cities require taxi companies to carry commercial insurance policies covering passengers in case of an accident.
Uber and Lyft provide tiered insurance policies based on driver status at the time of the crash, with up to $1 million in liability coverage for active trips:
- App Off: The driver’s personal auto insurance applies.
- App On (Waiting for a Ride Request): Limited liability coverage is provided by Uber/Lyft.
- En Route to a Passenger or During a Trip: Uber/Lyft provide up to $1 million in liability coverage.
Navigating insurance policies after a rideshare or taxi accident can be challenging and frustrating. Companies like Uber and Lyft offer liability coverage under certain conditions, but they are also known for attempting to minimize or deny claims. Knowing your rights is essential when dealing with these companies.
Why You Need a Rideshare Accident Lawyer
Uber, Lyft, and taxi companies have legal teams focused on reducing their liability. Having an experienced personal injury attorney on your side ensures that you aren’t pressured into accepting an unfair settlement. The Paul Powell Law Firm is dedicated to fighting against powerful corporations that attempt to take advantage of accident victims.
Because these accidents involve unique legal and insurance complexities, working with a personal injury lawyer can be crucial. An experienced attorney can:
- Investigate the accident and determine liability.
- Handle negotiations with insurance companies.
- Ensure you receive compensation for medical bills, lost wages, and pain and suffering.
- Represent you in court if necessary, ensuring that rideshare and taxi companies are held accountable for their policies and responsibilities toward accident victims.
Take Action Today
Rideshare or taxi accidents can be overwhelming, but you don’t have to navigate the legal process alone. If you’ve been injured in an Uber, Lyft, or taxi accident, The Paul Powell Law Firm is here to help. Contact us today for a free consultation by visiting our contact page, and let us fight for the compensation you deserve.
Frequently Asked Questions around Rideshare Accidents
Q: Can I Sue Uber or Lyft After an Accident?
- Generally, Uber and Lyft classify their drivers as independent contractors, making it difficult to sue the company directly. However, if the company’s policies or negligence contributed to the accident, there may be legal grounds for a lawsuit.
Q: What If the Rideshare Driver Was Off-Duty at the Time of the Accident?
- If the Uber or Lyft driver was not logged into the app, their personal auto insurance applies, not the rideshare company’s insurance.
Q: Should I Accept a Settlement from Uber, Lyft, or Their Insurance Company?
- Insurance companies often offer low initial settlements. It’s crucial to review the offer with a lawyer before accepting to ensure you receive fair compensation.
Q: How Long Do I Have to File a Claim After a Rideshare Accident?
- Each state has a statute of limitations for filing a personal injury claim—typically between one to four years. It’s best to act quickly and consult a rideshare accident attorney.