How Rideshare Coverage Works
One of the most complicating factors of rideshare accidents is determining insurance coverage. This is because Uber and Lyft’s insurance policies don’t always cover drivers. Instead, coverage is determined based on the driver’s status at the time of the accident.
1. Offline
When a rideshare driver has their app off, Lyft and Uber don’t provide insurance coverage. Instead, if the rideshare driver gets into an accident while they are offline, only their personal auto insurance covers them.
2. Online
The next scenario is when the rideshare driver is online but doesn’t have a trip scheduled. During this stage, Uber provides third-party liability insurance to the driver, which provides the following coverage in Nevada:
- $50,000 per person for injuries;
- $100,000 per accident for injuries; and
- $25,000 in property damage.
Keep in mind that these coverage amounts apply to both Uber and Lyft. This coverage doesn’t change until the app is turned off or the driver accepts a request for a ride.
3. En route
The final situation is when the driver accepts a ride request or is en route to a rider’s destination. Due to the higher risk of liability, both Uber and Lyft provide comprehensive insurance to their drivers with the following coverage:
- $1,500,000 in injuries and property damage; and
- Comprehensive and collision coverage with a $2,500 deductible.
The state of Nevada requires this level of coverage. While some drivers may elect to have additional coverage, this isn’t common.
What to Do Following a Rideshare Accident
After a rideshare accident, it’s crucial to take several immediate steps to protect your rights and ensure a smooth claims process:
- Gather information. Whether you’re a passenger or another driver, write down the rideshare driver’s name, vehicle details, and insurance information. Take pictures and videos of the crash scene if possible.
- Call the police. Report the accident if it caused injuries, death, or over $750 in property damage.
- Seek medical care. Visit a doctor even if you feel fine. Some injuries can take days or even weeks to show up.
- Report to Uber/Lyft. Use their app or website to report the accident promptly.
- Consult an attorney. If you suffered an injury, speak to a rideshare accident lawyer in Las Vegas for guidance on potential compensation.
Following these steps after a rideshare accident helps protect your interests and ensure you receive the necessary medical care and compensation for your injuries and losses.
How We Can Help
At Friedman Injury Law, our team of Lyft and Uber accident lawyers has a thorough understanding of the laws and regulations governing rideshare services in Las Vegas. We leverage this knowledge to build strong cases for our clients and pursue maximum compensation for their injuries, medical expenses, lost wages, and pain and suffering.
Representing Rideshare Passengers
As a Lyft or Uber passenger, you trust your driver to transport you to your destination safely. However, if you’re involved in an accident while riding in a rideshare vehicle, determining liability can be complex. Our Las Vegas rideshare accident lawyers thoroughly investigate the accident’s circumstances to identify all potentially liable parties, including the rideshare company, driver, and other motorists.
Advocating for Other Drivers
If you were injured in a collision with a Lyft or Uber vehicle, you may be facing significant medical expenses, property damage, and lost income. Our experienced Lyft and Uber accident lawyers understand your challenges and will fight tirelessly to hold the responsible parties accountable for their negligence. We will thoroughly review the details of the accident, gather evidence, and negotiate with insurance companies on your behalf to secure a fair settlement. If necessary, we are prepared to litigate your case to pursue the compensation you deserve.
Speak with a Las Vegas Rideshare Accident Lawyer Today
Seeking justice after a rideshare accident in Las Vegas? Blake Friedman of Friedman Injury Law is your ally. With a proven track record in handling car accident cases, he’s dedicated to fighting for the compensation you deserve. Don’t let the aftermath overwhelm you—reach out to Friedman Injury Law by phone or drop us a message online. Your consultation is completely free.
