Were you in a rideshare accident while using an Uber or Lyft in Oregon? You might understandably have some questions about who should be liable for your damages, like medical bills and lost wages. Although it might not be obvious at first, you can probably file a claim against multiple parties, including the rideshare company that paid your driver.
The Gatti Law Firm and our Oregon rideshare accident attorneys are here to help you uncover your options after a bad crash in an Uber or Lyft. Backed by more than 45 years of legal experience assisting people in communities across the state, we are one of the most trusted teams for complex and high-stakes claims and lawsuits. You don’t need to risk your wallet just to discuss your case with us, either, thanks to our no-cost, no-obligation case consultations.
Get more information about your Uber or Lyft accident claim by dialing (503) 543-1114.
Uber & Lyft Insurance Policies
Uber and Lyft might try to make it seem like you can only sue your rideshare driver after they cause a crash. But this is not always true. Both rideshare companies actually carry significant insurance policies that can provide a large amount of coverage in certain situations.
Uber sorts its insurance policy for its drivers into three parts:
- Not available: An Uber driver who is marked as unavailable or is not using the app at all is not covered by Uber’s policy at all. If you were hit while driving or walking by an Uber driver who is unavailable, you will need to file against their auto insurance policy like you would in any other car accident or pedestrian accident claim.
- Available but no passenger or fare: Uber might provide some insurance coverage if you are hit by an Uber driver who is using the app and marked as available but does not have a passenger or fare yet. In other words, the driver is looking for a fare when the accident occurs. If the driver’s personal liability coverage from their auto insurance policy doesn’t take care of your damages, then Uber’s 50/100/25 policy will become available.
- Accepted a fare or has a passenger: Once an Uber driver has accepted a fare or picked up a passenger, Uber offers a $1 million third party liability insurance policy that covers the driver, all passengers, and third parties. The policy also includes uninsured/underinsured motorist (UM/UIM) coverage and contingent comprehensive and collision coverage with a $1,000 deductible.
Lyft offers incredibly similar insurance policies for its drivers, too. One of the main differences is the deductible amount for the contingent comprehensive and collision coverage.
Do You Need to Hire a Rideshare Accident Attorney?
Uber and Lyft seem to be eager to help people who are hurt in rideshare accidents because they have such impressive policies. However, you should not be overly hopeful that they will cooperate and make it easy to utilize their policies as needed. To be more specific, you should expect the major insurance companies that work with Uber and Lyft to still do what they do best: challenge insurance claims.
Insurance companies make money by collecting premiums and denying or undervaluing claims, and there is no exception made for claims filed after a rideshare accident. Uber and Lyft might want the best for you as a customer, but the decision to honor your claim is ultimately not up to them. For this reason and many others, it is highly advised that you hire a rideshare accident attorney after being in a bad crash that left you seriously injured. With a lawyer working by your side, you will make it more difficult for the opposing lawyers to take advantage of your unfamiliarity with liability law.
Call Our Oregon Uber & Lyft Accident Lawyers Now
The Gatti Law Firm has a reputation for fighting tenaciously when dealing with insurers but showing true compassion when working with our clients. Discover this impeccable balance of our Oregan rideshare accident attorneys for yourself by calling (503) 543-1114 today. We would be happy to go over the key details of your case during a FREE consultation!