As any vehicle operators, Lyft and Uber drivers have a general duty to use reasonable care to prevent harm to others. If they breach this duty of care, and it causes someone’s injury or death, the victims have a right to pursue a claim for Negligence. Negligence is usually some form of careless or reckless behavior. Common examples of Uber/Lyft driver negligence are:
Uber and Lyft divide insurance coverage into categories based on the timing of the accident.
Off Duty: If a driver is logged off, Uber and Lyft consider this driver to be off duty and driving the vehicle for personal use. Since the driver is not operating on the Uber / Lyft ride share electronic platform, these companies provide no insurance coverage. Any claims related to accidents that occur “offline” have to be covered by the driver’s personal auto insurance.
Period 1: If the driver has logged into the Uber or Lyft app, but has not accepted any ride request yet, Uber and Lyft provide the following liability coverage:
Period 2 and 3: Under these circumstances, Uber and Lyft offer a $1 million in liability, uninsured, and underinsured coverage. As it applies to collision coverage, that will depend on whether the driver has their own collision coverage.
Because ridesharing policies and laws are constantly evolving and complex, it’s important to have a knowledgeable and experienced personal injury attorney to fight for your rights against billion-dollar corporations like Uber, Lyft. Let Fair Cases Fight for you! Contact Fair Cases today for a free consultation.
Time is Critical: Personal injury laws in California give Car Accident victims just a Limited Amount of Time to negotiate a fair insurance settlement!
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