Bowling Green Rideshare Accident Attorneys

Fighting For Rideshare Accident Victims in Kentucky

No one works harder than a Kentuckian. That’s why after being hurt in an Uber or Lyft accident, you should count on the Kentucky Injury Law Center to fight for you. Our team of Kentucky rideshare accident lawyers knows what it takes to stand up to major corporations and insurance companies because that’s what we’ve been doing for years.

Tell us your story today. Call (270) 423-0023 and schedule a no-cost strategy session with our rideshare accident attorney in Bowling Green.

What Happens If Your Uber Driver Gets into an Accident?

As a rideshare passenger in an Uber or Lyft, you have no control over the safety of your ride. What happens then if your rideshare driver gets into a crash that causes you to suffer a serious injury? Is Uber or Lyft ultimately responsible for your driver’s negligence? In most cases, the answer is actually ‘yes.’

Both Uber and Lyft use closely similar insurance coverage policies for their rideshare services. The amount of coverage provided through these policies depends on what the rideshare driver was doing before the accident.

Uber’s insurance policy* is divided into these three coverage sections:

• No passenger: When the Uber driver has no passenger and is not looking to pick one up, Uber takes no responsibility for their actions. If a car accident happens, then that driver’s insurance policy will apply.
• Looking for passenger: Once an Uber driver marks that they are looking for a passenger, Uber provides some automobile liability coverage if the driver’s policy does not apply or does not provide enough coverage for all of the damages. At this stage, Uber’s policy provides $50,000 for bodily injury liability per person, $100,000 per accident, and $25,000 for property damage liability per accident.
• Passenger accepted: If an Uber driver has accepted a passenger, whether they are in the car or the driver is en route to pick them up, Uber’s policy coverage increases. In this stage, the coverage includes up to $1,000,000 in third-party liability coverage for bodily injuries and property damage, uninsured/underinsured motorist bodily injury coverage, and comprehensive and collision coverage for physical property damage with a $1,000 deductible.

(* Lyft has a strikingly similar rideshare insurance policy and a difference in the deductible amount.)

How Long Does It Take for Uber to Investigate an Accident?

Insurance coverage from Uber or Lyft after being hurt in a rideshare vehicle or hit by one does not guarantee you will get that coverage. Both companies will investigate the accident to determine if they think they owe anything to the injured parties. Uber promises to investigate a crash and decide if damages should be paid to injured parties within 3 business days of the accident, but Lyft has not clearly outlined its investigation policy.

In either situation, the truth is that you should expect some sort of complication or resistance from the rideshare company. Both corporations are naturally looking to make a profit, which means minimizing expenditures where they can. To cut costs, they are incentivized to deny, delay, or undervalue claims after one of their drivers gets into a crash.