Rideshare accident cases are complex, so make sure you end your injury claim with a full settlement by working with a Phoenix Lyft car accident lawyer.
Ridesharing through apps such as Lyft is becoming increasingly common, and the number of accidents involving rideshare drivers has likewise increased. Getting injured in a collision with a Lyft driver is not the same as other auto wrecks. Lyft drivers are not direct employees of the rideshare company, and Lyft itself employs different insurance policies in different situations.
Even if you think you know which policy will apply, odds are that the liable party will attempt to avoid responsibility or lowball your settlement offer. By working with Attorney Milton Wagner, an experienced Phoenix Lyft car accident lawyer, you can ensure that you seek compensation from the correct party and get the funds that you are due.
Who’s Financially Liable in a Car Crash with a Lyft Driver?
Lyft drivers are not direct employees; they’re independent contractors. This means that while Lyft might be responsible for their driver’s negligent driving behavior, the link isn’t automatic. To that end, Lyft has developed different insurance policies with different coverage limits for specific situations:
A comprehensive policy for when Lyft claims full liability
A contingent policy with lower coverage limits for when Lyft accepts liability if the driver’s insurer does not
The comprehensive policy kicks in when both the Lyft app’s driver mode is engaged and the driver has a paying fare in progress. This could mean that a paying customer is in the car, or it might mean that the driver has accepted a ride request and is on the way to pick the fare up.
The second, less-comprehensive policy applies when driver mode is active, but no ride request has yet been accepted. In this situation, Lyft’s insurance will likely require that you first file a claim with the driver’s personal policy. The Lyft policy will kick in to cover any damages remaining afterward, or if that insurer denies liability for some reason.
Unfortunately, some rideshare drivers have insurance policies that terminate if the vehicle is used for commercial driving—and ridesharing definitely qualifies as such an activity. When this happens, you have two options: You can either file an uninsured driver claim with your own insurance, or you can seek damages from the Lyft driver directly through a personal injury lawsuit.
You’ll want an attorney in either scenario. Even your own insurance policy will attempt to lowball you and pay as little as possible. And it’s not always worthwhile to sue someone directly without insurance being involved, so you’ll want to explore your options fully before proceeding.
Speak with a Phoenix Rideshare Car Crash Attorney
Wagner Law can help you sort out the complexities after getting injured in a crash with a Lyft driver. It all starts by scheduling a free consultation with our Phoenix Lyft accident lawyer, so don’t delay. Simply call 602-456-4166 or complete the form below to begin.