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What Damages does Uber and Lyft Insurance Cover?

After your accident, your Alexandria Lyft rideshare accident lawyer can help you determine your damages and calculate the value of your claim. Both Uber and Lyft insurance typically covers damages such as:

Wrongful Death

If you lost a loved one after a rideshare accident, Uber or Lyft may be liable for all death-related damages. These may include funeral or burial expenses, pre-death medical costs, pain and suffering of the deceased, and loss of household income. Your attorney can help you assess how the person’s death affected your family and submit a claim for your total losses.

We will also explain who is eligible to file for wrongful death damages under Louisiana law and how the process works. Per CC Art. 2315.2, the state allows only certain family members to claim damages, such as:

  • The deceased’s surviving spouse and children (or either of these parties)
  • The deceased’s surviving parent or parents
  • The deceased’s siblings, if there is no surviving spouse, child, or parent
  • The deceased’s surviving grandparents, if there is no surviving spouse, child, parent, or sibling
  • The deceased’s representative, if there is no surviving person in any of the above categories

Lost Wages

If you suffered from extensive injuries, you may have been out of work for several weeks or months. If so, we can help you determine how much lost income you are eligible to pursue. Total lost income may include pay, benefits, bonuses, tips, or lost future earning capacity due to disability.

Non-Economic Damages

  • Non-economic damages may include:
  • Pain and suffering
  • Overall decline in your quality of life
  • Scarring
  • Disability
  • Dismemberment

We can help you estimate the value of your pain and suffering and submit it as part of your claim.

Medical Costs

Medical costs can range from emergency medical treatment to long-term care due to disability. You may pay for recurring doctor visits, hospital stays, surgical procedures, rehabilitation, pain medication, or extended care. You may be entitled to claim up to 100 percent of all treatment associated with the accident.

Identifying the Liable Party in Uber and Lyft Rideshare Accidents

In most Uber or Lyft accidents, the victim falls into one of three categories:

  • An Uber/Lyft driver
  • A passenger in the Uber/Lyft vehicle
  • A third-party driver in another vehicle

If you are injured in an Uber or Lyft rideshare accident, you need to establish who is at fault and how the negligent or careless party’s actions led to your injuries. Our law firm can investigate your accident to establish who is to blame. We may gather evidence that substantiates your claim, such as:

  • Eyewitness statements
  • Police report
  • Photos or video footage
  • Expert testimony
  • Medical records
  • Driver records
  • Clues at the scene of the accident
  • Vehicle damage
  • Property damage

We can use this evidence to prove the following elements of negligence, as noted by the Legal Information Institute (LII) :

  • The defendant owed you a duty of care to keep you safe on the road.
  • The defendant breached their duty of care by doing something reckless or careless.
  • This breach of duty caused an accident.
  • You suffered injuries, financial losses, and mental anguish because of the accident.

It is important to collect evidence in a rideshare accident as soon as possible. This is one reason you may want to secure legal representation as soon as you can.

Certain evidence is time-sensitive, such as the statements from people who saw the accident happen. Over time, their memory of the accident’s details may fade, or it may be hard to locate witnesses at all.

Uber and Lyft Liability Coverage Policies

Keep in mind that for Uber or Lyft to be responsible for the accident, the driver’s rideshare app must be turned on and connected (online). Uber’s insurance coverage for passengers and third-party drivers is as follows:

Third-party liability (available or waiting for a ride request):

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

Third-party liability (en route to pick up riders and during trips):

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury
  • Contingent comprehensive and collision
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Lyft’s Insurance Coverage Policy

Lyft’s insurance coverage for passengers and third-party drivers is as follows:

Third-party liability (available or waiting for a ride request):

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

Third-party liability (en route to pick up riders and during trips):

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury
  • Contingent comprehensive and collision

Lyft

Uber

Why Hire an Uber or Lyft Rideshare Accident Lawyer to Help You with Your Case?

Uber or Lyft may reject your claim or deny liability for your injuries and other damages. This is why rideshare cases can be complex matters. Rideshare accidents often involve determining which insurance coverage applies when covering a person’s losses.

Many insurance companies will guard against accepting liability for a rideshare accident, possibly delaying a settlement for the person seeking financial recovery.

Part of the issue is knowing when a rideshare company’s insurance coverage takes effect. For example, Lyft and Uber drivers must have personal insurance that meets their state’s minimum requirements. However, if their drivers are involved in an accident, the companies’ insurance coverage may apply – but only in certain instances. No matter the circumstances, you have the right to explore your options and fight for a fair settlement. Our law firm has worked with other clients in similar cases. We can also help you with your personal injury claim.

Talk to a Louisiana Local Attorney Today

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What Can You Expect From Our Law Firm?

If you choose to hire a rideshare accident attorney from our firm, we will:

  • Investigate your claim to uncover the facts of the accident
  • Identify the party responsible for your injuries and other damages
  • Obtain evidence that substantiates your claim
  • Calculate the actual value of your claim
  • Communicate with all relevant parties on your behalf
  • Negotiate a settlement with the insurance company

If Uber/Lyft (or their insurance company) offers a low settlement or denies your claim, you may have the option of filing a lawsuit and taking your case to court. If so, an Alexandria rideshare lawyer with our law firm can represent you and present your claim before a judge or jury.

Other Rideshare Accident Victims Who Could Recover Damages

Not everyone involved in a rideshare accident is a passenger or driver, and not every driver who is in an accident is responsible for it. Our Alexandria car accident lawyers also represent pedestrians, motorcyclists, and bicyclists who may be involved in rideshare accidents. A distracted Uber or Lyft driver, or one who’s in a hurry to pick up or drop off a passenger, can injure others. They could hit a motorcyclist on the road, a bicyclist in a bike lane, or pedestrians crossing a street. All of these parties don’t have an enclosed vehicle’s protection to prevent them from suffering serious injuries if a large vehicle hits them. When this happens, the negligent party should be held accountable.

If you have been hurt in a rideshare accident while walking or riding your bike or motorbike, we can help you review your legal options for holding the liable party responsible. If you are a rideshare driver whose accident was caused by an outside party, such as a pedestrian, bicyclist, or motorcycle rider, we can also review your legal options with you during a free consultation.

The Statute of Limitations on Ridesharing Accidents in Louisiana

If you were injured in a ridesharing accident with an Uber or Lyft driver, Louisiana generally gives you just two years to seek compensation from the liable party, according to CC 3493.1. Once you hire a rideshare accident lawyer from Laborde Earles Injury Lawyers, our team will get to work right away, ensuring you do not miss this deadline. If you lost a loved one in an Alexandria car accident or rideshare accident, we are truly sorry for your loss and want to help you in any way we can.

If you are interested in taking legal action in your loved one’s death, you have two years to pursue a wrongful death lawsuit, per CC Art. 2315.2. We will go over your loved one’s accident with you and determine if you can pursue damages. If you wait too long after the accident and do not have enough time to file, a judge could block you from seeking compensation. There can be exceptions to this statute of limitations, and a team member from Laborde Earles Injury Lawyers can tell you how much time you have left to file a case during your free, no-obligation consultation.

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At the very first meeting with Alexis and Danielle they took the time to explain everything to us so that we understood what we were going to go through. They checked in on us to see how things were going with DR appointment and therapy. They checked in on the phone or by text and if I had a question and I was in Lafayette and I would stop by the office one of them would come to answer my questions. I truly appreciate the response and respect that they showed to me and my husband and I would really recommend them to family and friends.

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Put an Alexandria Maritime Injury Lawyer to Work for You

Were you or someone you love injured in a maritime accident? A maritime injury lawyer from our team can work to assess the monetary value of your lawsuit, prove the negligence that led to your injuries, and negotiate for a favorable settlement on your behalf.

Learn more about how a lawyer from our firm could help you identify and seek recovery from the at-fault party. Contact the maritime accident team at Laborde Earles Injury Lawyers today.

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